California first time home buyer grants are available to qualified people needing assistance in realizing the dream of home ownership. The state realizes that property ownership is the basis of a solid and strong society and the state wants to assist its citizens buy their own homes not just to assist people with moving into their dream house, but to also create a better society.

In short, the government believes that the more people who own their own their home, the better off society it as a whole. Home owners are more community oriented and care more about what happens in their area because their family lives, plays, and goes to school there.

People who own their home are more likely to be full time employees working to support their family and their home. When more people are working this means a more stable economy verses people living on unemployment checks.

Take advantage of the government’s home buyer grant programs so you to can own your home and help make this country stronger. Let them help you.

Some first time home buyers qualify for programs while others do not. But, even if you have owned a house before, you might still qualify.

The state defines a first time home buyer as one who has not owned a home in the last three years. So perhaps you had to sell your home three years ago to pay off debts, or you sold your home to relocate for your job, or for whatever reason you sold your home, if you have not owned a home in the last three years, you are considered a first time home buyer by the state.

Your income has to be below the current limit set by the state. This includes the total income of your household if your spouse is also working. You will need to provide your current tax records to confirm before tax income.

The government puts a price cap on the home they will help you buy. They will not help finance a luxury home, but at the same time, they do not expect people to move into run down houses in bad areas.

You can only purchase a single home residence with the grant program. The state will not assist you in buying an apartment building or a duplex. The one who will be on the property loan must be an American citizen or a permanent resident alien to qualify for the program.

You will be limited to government approved lenders that have to meed certain standards.

Before you have your loan broker search for a loan, let him or her know that you are looking for state assistance so he will narrow his lender search.

You must meet these basic qualifications to begin the process. There will be qualifications based on each individual application however. Once you start your application you will find out what other information you need to provide to move ahead with the process which can be time consuming, but in the end, well worth your time and effort.

Are you a ca first time home buyer, you need to learn your rights and learn more about other things too, like first time home buyer grants.