You could always not worry about FIRST TIME BUYER programs;
you can still buy a house.
If you are not satisfied, you can go to my website and look under resources for other bankers and mortgage brokers.
You may want to consult with an experienced mortgage professional and discuss the details of your situation to ascetain what's available to you in terms of the right loan products, including FHA, as well as the first time home buyer qualifications. - One question for you: why take out the $10,000 from you IRA in the first place? Is that the only way you can currently own a home?
Feel free to call me at 415-200-7202.
First I am sorry to hear that you are going through the process of a divorce. I would recommend talking with a lender about your current situation to determine the best path forward toward determining what your financing options are. As Realtor's, we are familiar with the lending process, but are not specialists. Talking with a lender would be my recommendation as a first step. You may not qualify for the first time home owner's status regarding your IRA, but many companies do allow you to borrow from your IRA so you are essentially paying yourself back.
If you would like a recommendation of a lender, do not hesitate to contact me.
Hope that helps!
Alain Pinel Realtors
I would be happy to refer you to someone if you're in need.