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They say that "Virginia is for lovers." Whether that's true or not is up to the residents of that state, but there are more than 8 million who call Virginia home. It ranks as the 12th largest state in terms of population and the 35th largest in terms of total area. Yet like any state, first time home buyers in Virginia face challenges in these tough economic times if they lack the financial resources needed to purchase their first homes. Fortunately, there are a good number of programs designed specifically for this purpose.