Many government programs exist to help those who are first home buyers and who have made the choice to buy a home for their family. You can even sometimes get a government first home buyer grant to help defray the costs of the loan. A broker can also help you to evaluate the property you might be considering.
Check out the various help the government (both local and state) may be able to provide for your first home buyer loan. Being able to negotiate on the same level as the people who make the loans, is an important aspect of negotiating a successful first home buyer $15 loan.