First Time Home Buyers Jump the Hiding Hedge

California's Forgivable Equity Builder Loan allows first time home buyers who have enough income for a monthly mortgage payment to borrow up to 10% of a home's purchase price. The loan has an interest rate of 0%, but borrowers who don't occupy the home for at least five years may have to repay the loan. "If you get in crazy mode because of what's going on out there, you're going to buy too much house," he says.