Credit union or local financing – Often offer better rates or specialized home repair programs for members.A practical next step is to reach out to a local Buffalo lender for a quick pre-qualification.

There was a program a few years ago through the affordable housing trust that allowed for projects like this to get built but they ran out of money quickly.

There’s so many programs.

Sure, rate, fees, structure, and overall costs are very important, but who cares if it doesn't close because the pro you are working with doesn't understand the programs and process.

These areas have good rental demand and tend to offer more flexibility for creative house hacking setups.There are FHA lenders here who work well with first-time buyers and can help you factor in potential rental income.

I'm based in Bay AreaDepends on where you are purchasing in the Bay and your personal finances, I see programs that give 10k grant for closing.

Second, resubmit the ownership change packet, but send it directly to the caseworker and copy a program supervisor or manager.

It’s less about the program itself and more about the specific property and neighborhood you buy in.

Could this be bundled with another First Time program like SONYMA?  

@Isaam BrownHi Isaam, the list price is irrelevant to what you offer on a property.