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To help lower income residents buy a home, many cities and states offer home buyer programs. The federal government also offers several programs to help citizens buy a house. Some of these programs are aimed at first time home buyers, which will require attendance to classes that teach how to apply for a home mortgage, how to find a qualified realtor, what to look for when evaluating the condition of a home, and related subjects.
Some home buyer programs are designed for those who have credit problems that may prevent them from buying a home, and will teach participants what they can do to verify that their credit information is accurate, and offer tips on how they can improve their credit score before applying for a mortgage, plus which mortgage programs would suit them.
There are home buyer programs for those interested in buying foreclosed homes being held by government agencies, which may have less stringent requirements than attempting to buy a house that is being sold by a bank through a Realtor.