Best thing to do is get yourself a realtor who can refer you to lenders who know about programs you can benefit form.
You can also visit HUD.GOV to find resources for first time buyers.
Much Success to you!
Kawain Payne, Realtor
Your SECOND step is to get pre-qualified for a loan. AFTER you find a Realtor, he or she will have you meet with the lender that he or she uses regularly. This is important.
Keller Williams Realty
I'm a local direct mortgage lender certified and approved to offer nearly every first time home buyer program available in Riverside county and California....I know the programs well. Here are a few of the most popular FTHB programs.
You will want to call me (951) 215-6119 to discuss which one might be best for you and learn which one is more costly and expensive and you'll want to avoid if at all possible.
* CalPLUS with ZIP read ==> http://homeloanartist.com/2013/08/calplus-with-zip-zero-inte
* CalHFA's CHDAP read ==> http://homeloanartist.com/2010/11/california-homebuyer-downp
* CHF Platinum read ==> http://homeloanartist.com/2010/12/chf-platinum-down-payment-
* CHF ACCESS read ==> http://homeloanartist.com/2010/05/ca-fha-access-govt-home-pu
If you want to compare a few of them side by side, read this first http://homeloanartist.com/2012/04/compare-chdap-platinum-acc
Let me know if I can help you.