verbiage - h.u.d.

what is h.u.d.?  it's the u.s. department of housing and urban developement.  this federal run department is responsible for a thousand or more programs that are geared towards creating the means to make home ownership possible in revitalized and growing communities.  basically, their goal is to make it easier for americans of less means to buy their own homes in places that are not the ghetto.  they are also responsible for turning ghettos into better communities.  however, h.u.d. does not just focus on the lower spectrum of the economy line.  they are here for every american, like me and my girlfriend.  they have counselors that you can talk to who will help you buy a home.  go to this link, www.hud.gov/buying and you find all kinds of information that can help you plan to buy a home.  there are also links to home buying counselors who have even more information for you.  you can go through their webiste and look at all the grants and programs they have available to americans, but there is a lot, so i think it's best to talk to a counselor and let them help you sift through to find what's right for you.