What problems to expect in home inspection of a 10yr old house in NJ?

Hi
I am a first time home buyer and I am planning to make an offer for a 10yr old ranch style home in NewJersey. What kind of problems can I expect in inspection. I want to be informed before I make the offer. I do not want my realtor to be the only source of [...]

Is home ownership possible for people with poor credit?

I have poor credit, but I have a steady job and planning to enroll in a debt consolidation program. I have never owned a home before. Are there any programs for first-time home buyers with poor credit? Does anyone have any recommendations?
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How does the first time home buyer tax credit work?

Do you literally get a check for $8,000 if you qualify? Are you penalized if you don’t stay in the new home for a certain length of time? March 2010 will mark three years since I sold my last home. Will I now qualify as a first time buyer?
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How long after owning a home are you considered a first time home buyer again?

I sold my home in November 2008. How long do I have to wait from the date of my sale to be considered a first time home buyer again. Also is it from when you last owned a home or is it from when you last purchased your home?
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