The best loan programs for first time buyers – both in California?

Looking for the best programs of the buyer for the first time there for mortgages – whether the IO-30 A. 01/05, or ARM. I have excellent credit – to 800th Looking to put a zero ette.Been looked back for Internet programs such as ING Direct and I can see that B has no points / no closing costs program. Anyone have any experience with them too? Would like someone to review any on.Tänu!

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