Want to Purchase A Home? Tips for Couples or Singles

[SummerChild]

Does anyone have tips for folk looking into buying a home (single family, townhouse, condo)?

Regarding programs, does anyone know of first-time homebuyer programs or downpayment or loan programs that are good resources? Looking online gives some info but most have income limitations that would prevent me from taking advantage. Got any information on any? On any w/out income limitations?

Any good information on shopping for loans, specific good loan programs, the 80/20 structure, interest only loans, adjustable rate mortgages, avoiding mortgage insurance, etc. ? I did some research a few years ago but would really like to gain the benefit of actual experience and knowledge about particular programs, loans or just good advice, etc.

Any information/advice about buying a home would be greatly appreciated.