You may also qualify for USDA Rural zero down progam for the unincorporated rural out of city limits properties of interest. You will need a minimum 620 fico score to qualify for USDA Rural. You can input an address in the USDA Rural link by choosing single family residence to the left once you open the link. I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify.
Here are some links to study.
Sheryl Arndt, Real Estate Broker – Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
20+ Years Experience
What your money will buy will be a factor. I recommend sign the Trulia Local info tool to begin the screening process. There are places around this are that are very nice but there are always compromises. The sooner you know what you can give away, the easier it will be to make a decision.
Pls call me and we can discuss further. DeAnn J Simpson, Realtor 925/974-7653
Have a good day!
I can send you to a very good lender. I work in East County where there are still very nice homes that will meet your stated needs for under 200K. Now I don't know if you have to commute to SF everyday, in which case East County may be too far for you.
Give me a call at 925-260-4321 if you would like.