I just bought my first house. Have not even moved in yet.
I have typical "guy credit" my mortgage guy told me. I bought a 100,000 house in a Detroit suburb with 2,800 total out of my pocket to move in.
I got an FHA loan. It is a loan somehow backed by the government. You can get in for 1,000 down plus closing costs, (which I split up with the seller)
Nice clean 3 bedroom ranch on a crawl with a 2 1/2 car heated garage, fenced in yard, etc... I don't know what 100 grand gets you in California but I am just a few miles from the GHETTO now!!!!
------------------
1988 Mustang GT
12.0 @ 122
1992 BadAzz Wrangler
1993 Explorer