91.   Flexibility also exists for first-time home buyers.

92.   Flake counters that his church builds two-family homes that can serve renters and home buyers.

93.   For decades, home buyers had to go to a broker or agent to gain access to listings.

94.   For home buyers, though, the Internet is a powerful tool.

95.   For online shopping, high-speed access would offer prospective home buyers the chance to take video tours of homes for sale.

96.   For the first three years, home buyers pay taxes only on the land, with taxes on the buildings phased in over the next three years.

97.   For yet another home buyer, Wade Ogletree, the courtyard housing provided what he called a desirable balance between privacy and communal life.

98.   For years, first-time home buyers drove the market with their purchases of entry-level houses, while sales of costlier residences remained sluggish.

99.   For the second consecutive year, Long Beach is considered the most desired locale in Los Angeles County for new home buyers.

100.   For Hispanic home buyers, the improvement has been less pronounced.