Surprisingly I found out recently that a lot of local cities here in Hampton Roads offer grants to homebuyers, you typically have to make under the median income. Call your local city government to inquire about them. A great loan officer could probably find most of these grants for you. I could refer you to one that I spoke with recently about the grants. As long as you make under the median income in the area, you'll qualify. Just email me, or call if you'd like his name.