Believe it or not - that there may have been a special First Time Homebuyer program that their agent wasn't aware of and that they did not get the best bang for their buck. There is a program with a lower interest rate, another that provides down payment assistance plus closing costs in the form of a forgivable grant, another similar but it is an interest free loan, and yet another that provides long term tax credits. Each program has pluses and minuses and it takes a specialist to help you see which best fits your circumstances.
In Texas, look for a REALTOR who is a certified Texas Affordable Housing Specialist (TAHS). I am one of the instructors for this Texas Association of REALTORS sponsored program and was named the Texas REALTOR Hero in 2010 for my work statewide with Affordable Housing Programs.
Please feel free to contact me anytime for more information.