Clarissa...call me and let me help you as I specialize in first time home buyers. There are a lot f programs for first time homebuyers but you have to have a good realtor to assist you.

Clarissa, You need to provide more information... What is your income, what kind of a home are you looking for, how does your credit look, etc.?

Clarissa,
Have you spoken with a lender to get pre-approval or a pre-qualification letter yet. That should be your first step in this process. If you have any doubts there are other options. They are not as common but there are some sellers out there that will consider owner financing for a short period of time until you can get your credit in shape to refinance, or there are some that will do a lease with an option to purchase. So I would find out the facts first and then you can work from a more informed position.

Larry Story
Coldwell Banker Triad