Talk to a few mortgage brokers. If you qualify for a first time buyer program, the loan you qualify for shouldn't change from broker to broker, but the closing costs might. Don't just look at the loan, look at the total cost. Each broker has their own closing costsand origination fees, so compare them as well. There are some brokers that will give you what looks like a great loan, but they charge high fees. If you would like a referral to a great loan officer, drop me an e-mail. I have a few I use regularly with great success.
If you would like help finding that first property that is just right for you, let me know.