I completed the electrical union apprenticeship program and have over 10 years of construction experience.

I would not walk away from John Cochran's programs and advice. 

The local Hy Vee has a fuel saver program that you get back $.20 per gallon on up to 20 gallons for every $100 gift card. 

There are lots of properties left over from the late night tv sales programs that do not have water and or sewer available.  

If your fiance does not have a mortgage now, she might be able to qualify for a low down payment program.  

I've been toying with the idea and also found a program called the teamwork lead system.

Here is what it comes down to:-I'm in the market for a house-I do not want to pay nor can I afford what we want at retail value-I do qualify for a decent loan under a first time homebuyers program fixed at 5.2 percent for 20years.So, I'm really looking for some advice here.

Whare are the first time home buyer programs that I should be looking into?

They re not designed for in-depth teaching.If you are looking for in-depth teaching, select a course/program designed around the specific topic you need.

Smaller banks may not offer the resources or programs you need.