I hope this information is useful.

Here is an interesting article on rent to own:
http://www.homefurnish.com/homeimprovement/realestate/rentto…

Here is a list of down payment assistance programs by state:
http://www.first-time-homebuyer-site.com/down_payment/down_p…

Some people selling their homes will do a lease with option to buy. Sellers are pretty flexible these days, so if you find a house you like it might be worth asking, in addition to the government programs.

100% financing programs are ending September 30th, 2008 due to the new congressional changes to lending laws. Contact Illinois Housing and Development Authority or NAHB.com to see about federal tax credits now available to first time home buyers.

There is many information on the link below on first time home buyer's, rent-to-own, and much more.

hi......i can help with a first time home buyer program.......seller paid costs and a gift from a charity for the downpayment..call me anytime.bob mcclure....mortgage now- farmington, michigan.i have almost 14 years of experience and am licensed in your state.... (248) 974-4444

Hi Susan-
I would be more than happy to offer my help. I can have references to you asap.
Please logon to my website or contact me directly.
First time home buyer, rent with option(rent to own) is my specialty.