Yes there are programs out there from the state (CA) at least, that will help first time home buyers in their purchase. In most cases, they will lend, simple interest, not payable until the home is sold or refinanced, $12,000. How about that!! There are other programs that can be combined along with this loan. This is process is called layering loans.
There are several county, city , and state programs that can be used together to the point that the buyer in most cases does not need any money out of pocket. There is were the phrase "0% Down" comes from.
Let me know if you guys are more interested in this type of information.
Luciano
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