Everyone had a land line..  1992 to 2002 is when we were active with this program.

Some programs don't require first time buyer, just that you are making a sensible move for primary home ownership not as rental

When you apply for a home loan we only look at the monthly payment and on student loans we only hit you with .50% of the payment or in some cases if it is deferred for 12 months we can ignore it all together depending on the program you choose, for example; FHA, Fannie Mae, Portfolio etc.Another trick is if the installment loan on a car/vehicle only has (10) months of payments remaining or less we can "Omit" it all together.

I know there are a couple loans/programs like an FHA loan that are available to starters like me, but are there more options? 

Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

The loan program I was offered is the Family Opportunity Mortgage.  

@Shaydon Childers   We do have a program that we will get an appraisal of the property as-is and lend 75% of that appraised value for well qualified borrowers.

BiggerPockets just went live with the property manager referal program last week.Click on the Build Your Team option at the top of your page.

Find architects or designers, engineers of all types, general contractor, etc. to design the project, and know how to keep the design where it's functional, cost effective, but has appeal.