I am a 42-year-old single mother of 3 beautiful kids and I am trying to purchase my first home. When I was younger, my parents didn't teach me the value of credit. I have finally worked hard to get my credit on the track it should and I was finally approved for an FHA home loan. They are asking for 3.5 percent down. I exhausted my 401K due to the housing market is so competitive, I had to come up with a competitive offer by providing a due diligence fee, and now I can afford to get up the money for the down payment. After my many searches for grants or assistance with first-time home buyers assistance. I came across this website and decided why not give it a shot. So here I am.