There are many possibilities for first time home buyers. I would need to gather more specific information to help you make an informed decision. If you would like to discuss your options in detail, please email or call me.
Dilbeck Real Estate
Angelica, have you talked with a loan officer yet? If not, go to your bank and speak with a loan consultant and discuss with him/her different types of loan programs and most importantly to find out what your "purchasing power". During the process, please keep in mind what is the "monthy mortgage payment" you are going to be comfortable with.