Hello Gerald,

I would like to invite you to a Home Buyers Extravaganza on Saturday (September 12, 2009) at 11:00am. One of our Speakers will be Maritza Reyes with Housing America! She will be discussing a few options that might help you out! I look forward to seeing you there and if you ever have any questions don't hesitate to call me or check out my website (it is packed with lots of useful info). I also posted the info about the Extravaganza here on Trulia!

Take care and Have a Great Day!

Warm Regards,
Michelle Evans

There are so many different local, state and federal programs out there it is impossible to keep track of them all. The best thing to do is consult a mortgage professional who has been in the business for a few years and is familiar with all of the programs, rules and regulations. I recommend our local Coldwell Banker Mortgage Advisor, Durana Grapoli. You can visit her web site at http://duranagrapoli.coldwellbankermortgage.com
Thanks, Dan

Contact Housing America they help you with 5% of your down payment. They are in Somerton

Gerald,

Yes, there are some programs for first time homebuyers, I have helped a couple of clients now buy in Yuma who were 1st time homebuyers. The 2 best programs are FHA and VA. If you are a veteran, VA is the best route otherwise FHA.

FHA is a 3% down payment program however, the downpayment come be in the form of a gift and that gift can come from a non-profit organization such as Ameridream. Ameridream is the non-profit I work with all the time. Basically you would need to find a seller who would participate in this program. Its really not as complex as I am making it sound and I do this all the time for many clients.