Hello Kaiser:

Call me and I'll take you through a quick review of the things you need to do to buy a home.

Peter Bourdeau
602-540-6832
peter@phoenixforeclosureguy.com http://www.phoenixforeclosureguy.com

Kaiser, you will need 3.5% down of your own funds to buy a home. There is a special program allowing a a 2.5% gift / bond money that would allow you to buy a home with as little as 1% down out of pocket, There are restrictions though. We offer this program if you want to go over in more detail:

Kyle@novahomeloans.com

You need to contact your local real estate professional. If it's been cleared to sell, your local real estate professional can provide you with the information and assit you in making an offer. I don't know your location, but if you'd like to contact me, I'd be happy to either help you directly, if you are in my neck of the woods, or find you a realtor that can help you where you are.

Hey Kaiser,

Yes there are some great "Government Programs" However getting what you want and getting the bank to accept your offer on the home you want maybe worlds apart.

It would be best for you to discuss the financials with a mortgage broker.

I have been working with Gary Miljour for a few years, he has had some great success with first time home buyers.
Here is his direct line 480-251-0002

Good Luck
Patrick