That's a very good question. I recommend, as Mr. Morrobel suggested, to contact a loan officer to determine your qualifications for a home loan. I can also tell you the following. There are thousands of loan programs tailored for people of different financial and economic position. There's lots of federal programs, state programs and local programs. If you are going to do some research before meeting with a load officer keep in mind all the programs vary state to state. So If you Google/Bing for information make sure its up to date and applies to where you reside. HUD is also a good starting point. I see you are writing from California. You can go to the HUD home page http://www.hud.gov
and select California under the State Info tab. Also check The California Housing Finance Agency, you can find it on the HUD website if not here's the link: http://www.calhfa.ca.gov/
. Those are just starting points but eventually you will need to sit down and talk with a lender. If you have anymore questions feel free to send me an email.
Elio Acosta ABR, e-Pro