I have never owned a home in CA. I was thinking of buying one in the summer. Is it a good idea? what are some of the requirements for first time buyers. How much is the minimum for a down payment? Do I get a credit>? Thanks
Unless they extend the 1st time home buyer credit, you won’t get any credit if you are able to buy this summer. You would need to be under contract by April 30th, 2010 to get the 8k credit.
You need a down payment of at least 3.5% if you are financing using FHA.
You need a credit score of 620
You need cash for inspections and other closing costs (usually 3% of the purchase price)
You need to have been employed in the same job or industry for 2 years.
You have to make a certain amount yearly in order to qualify
Talk to a lender
Home Mortgage Banker Mark Charles http://www.markacharles.com/Meet_Mark.html has been originating home loans since since 1997. 
Click here for Part 1: http://www.youtube.com/watch?v=yZZJ5ZdMe44
Texas Mortgage Info: How your mortgage person structures your loan is more important than the getting a low rate.
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We are almost done with post production. Default: The Student Loan Documentary is a 27 min. documentary chronicling the stories of borrowers from different backgrounds affected by the private student lending industry and their struggles to change the system.
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