How much do you have to put down? If not the traditional 20% that will limit your options in mortgage shopping. Sonyma and FHA are the state/federal programs. Their rates are a little higher because they give you a big break on the down payment requirements. You can pretty much forget about buying a DIY project type house if going FHA because they do an inspection and require the house to be in move in condition.
Some banks have first time buyer plans as well. You should definitely check into that.