Q: I would like to move to California and buy a house there, which I would live in as my full-time residence. I have two homes outside California, which I own in my name, but I live in them only when they are vacant. Is it possible for me to be considered a first-time homebuyer in California?
A: Many buyers will benefit from the top-level takeaway from your question and my answer, which is that the term "first-time homebuyer" is not a literal one, in the real estate and mortgage industry. In fact, based on the scenario you present, many programs would consider you to fit the definition of a first-time buyer.