As previous answers have stated, you should talk to a mortgage loan officer to see what programs may be available for you. I specialize in first time home buyers. I like to meet and have a consultation to explain not only how I work but how the whole process works. I also have a buyer packet of information with mortgage loan officers, inspectors, insurance information and the title search process. I would be honored to earn your business. Let me know how I can be of help. Feel free to call me at 502.386.2493.