Please contact me at the above e-mail we can work directly togther
If you do not have reserves, it's best to work on increasing your assets while decreasing your debts. There are also nonprofits that provide downpayment assistance but those usually require the sellers' participation and the lender's approval.
Check out the site above, it explains the City of San Marcos down payment assistance. I am an approved lender with most of the down payment assistance program and grant programs for home buyers across San Diego County. Generally you can get an FHA 30 year fixed mortgage and use the down payment assitance.
Sr. Loan Officer