Maybe the State can step in if you want smaller involement that would be the way to go. Many of the local first buyer programs are recipes for disaster. You can only use the program if you can’t afford a house and have no business buying one at your income level. Seriously I remember when in 2004ish I made too much money to qualify for these programs and yet I knew I couldn’t afford a house at the going prices. The worst thing the government did was to lower interest rates for people with poor credit,this just added fuel to the fire. I recall about the time the SEC was threatening to investigate Countrywide I could actually get a better interest rate through them “if” my FICO was lower. Pleeese
