jbatzmaru, thank you for your comment. Yes, I did look into one. I am pre-approved with a moderate income mortgage loan with a lender approved by the California Housing Finance Agency. However, the interest rate is high because it is a 100% loan. The last time I asked, Irvine did not have any programs for buyers. Thanks for the reminder, I will check with Irvine again when I'm ready to buy.
Trooper & ISM: Yes, please put me down in the "saved from sleepless nights and horrendous stress" scorecard column.
K