James,
As previously stated, the criteria used is no ownership during the last 3 years.

Good luck,
The "Eckler Team"

In most cases home ownership applies to your recent living arrangement. In Long Beach for example the guidelines say "if you have not lived in your own home for the past three years?".

Please see the link below.

CALFHA has an exception if you live in specific zip codes, it will waive the first time home buyer guideline. It also provides it if you live in one of those zips, if you sell and rebuy in that zip code, you can be considered a first time buyer.

3 years without having any ownership and then your good to go again as a first time homebuyer.

James,

Not sure what you are asking. I believe you are considered a first time home buyer if you haven't purchased in the past 3 years. You could have purchased then sold and rented and now it has been 3 years and you are ready to purchase again.

Maybe I'm not understanding the question.

Many programs are made available contact a local mortgage broker where they can complete an application intake regarding your file.
http://www.lynn911.com http://www.homes-for-sale-dallas.com

Yes, if you live in qualifying areas? Long Beach might be considered one of them...