That's exactly right. A lender familiar with our area would need to ask you some questions about income, number in your family- to see if you qualify for the home buyer assistance from the City. However, there are other programs available and a good lender will look at all of those. London Properties has a number of very experienced lenders at their Royal Charter Mortgage who can help get you all the information you need. You might prefer a qualify for a USDA loan for example. You may either call or email me if you are interested. There is no obligation to obtain a loan through these professionals.