Yes, I've lived in southern california all my life. I currently live in Rancho Cucamonga and love it! There are other communities that are great, others not so great. If you are a renter and if you haven't owned a home in the last 3 years, you are considered a first time home buyer. I have helped quite a few get "down payment assistance" (DAP) programs as much as 80K in free money. The trick is, there are very few lenders that offer some of these programs. I have researched many of them. I'm not a lender, nor do I get any benefit from the lender. I just investigate for my clients and refer them. I figure, if you were a relative and I could get my relative 50k, why not a stranger. What goes around comes around! I've blessed quite a few and they've blessed me back by recommending me to others. :) It all works out. They're more work in many cases but I think they are definately worthwhile! Feel free to call me if you have any questions. 909-917-6176 Feel free to click on my name or photo and check out my profile.