Many people are faced with the fear of raising their families in decent housing and in safe neighborhoods. Some do not know where to turn or what is available for them to afford, or if they even qualify for help. Some even feel that their low incomes would hold them back from affording or even qualifying for a loan toward better housing for their loved ones. If you are tired of being a renter and want to settle down in a home of your own, you are not alone. Many Americans have that same dream, and many do not realize that it is within their grasp. There are programs that are designed to help low and moderate income families who have good credit, but may not have the proper funding to place down on a place of their own, even though they can afford the monthly payments of a mortgage. First time home buyers usually have great advantages when it comes to buying a home. They usually benefit from first time buyer loan features and often have a be...