As a recent first time homebuyer I asked that question a million times about the area I was looking to purchase my house before I finally got an answer...no one "seemed" to know. I don't know what the big secret is...Anyway, I do have some advice for you. Erie County Planning and Development does offer awards to qualifiying first time home buyers if you are looking to purchase in a municipality that DOES NOT offer a grant on their own. I don't know if Kenmore has such a program, you could call them directly and ask. Also, Belmont Shelter Org. was a very helpful resource and they offer free first time homebuyer workshops that was very informative ( I was required to participate for the Erie County grant funds). I also participated in some "fthb" seminars that were offered by mortgage companies as another infor resource, they were listed in the homebuying supplement in the Buffalo News.
My most important piece of advice is to seek out the grant programs first BEFORE you choose a mortgage lender or broker. My grant program was very specific as to which lender I could use as well as the contact person. If you do not meet every piece of their criteria, you will be denied assistance.
My other piece of advice is to do your homework. Keep asking questions, research online, make tons of phone calls, don't give up. Most realtors won't lead you towards grant funds because they extend the closing of the sale and they want their commission quick, quick, quick. Most mortgage lenders won 't offer you information on grants either because they may reduce your actual mortgage, thus reducing their commissions. Get real with the fact that your agents are not working for your best interest, they are in it for themselves. You are your own best advocate.
I have to honestly say that my first time homebuying experience was pretty spectacular. Everyone I dealt with was fantastic, especially with Erie County and Belmont Shelter Group. I think it helped that I came to play the game armed and educated.
GOOD LUCk and post again if you have anymore questions.