You can either choose to use your 1st time home buyer benefits to buy a HOUSE or you can use it to buy Apartments.You can either fall in love with a property with the white picket fence and big yard or you can fall in love with the property on paper.Conrad Bautista has been doing home loans for over 16 years and he is going to avoid you a trip to the bank so you can learn what a bank look for when approving you for a loan.The best investment you can do for you and your family is to buy land. ...