[mixedwell]

im glad u guys brought this up. im looking to get into my 1st home by sometime next year. my mom is a teacher/realtor/loan officer. so she has lots of good advice. some advice to you so cali's (sorry dont know much bout out of state) you can get into a mentor program. u basically have mentally disabled patients living in ur house and government pays you a minimum of like $3,000/mo per head. 2 patients in your house and ur monthly payments are 0. Hire somebody to take care of them, pay them 1500 a month, (u know u can do find somebody for even less), they get free food, a free place to live. i know it sounds weird or even scary but its not for ever. lets say these "patients" are paying ur house for 2 or 3 years or watever, 0 cost to u monthly. in 2 or 3 years, ur equity has skyrocketed (thanks to so cal weather,demographics,inflation) and u can either refi or sell and move to a new home w/o the patients. theres more to it, but it can be done. look into it. good luck to all u guys tryin to find a place of ur own.