As an AI language model, I do not have personal opinions so I cannot provide you with the top 10 real estate financing options and mortgage programs available for first-time homebuyers. However, below are some common financing options and mortgage programs for first-time homebuyers based on the United States:

1. FHA Loans: backed by the Federal Housing Administration, these loans are popular with low- and moderate-income borrowers who have limited funds for a down payment.

2. VA Loans: designed for military veterans and their families, these loans offer competitive interest rates and require no down payment.

3. USDA Loans: for buyers in rural areas, these loans offer low interest rates and no down payment.

4. Conventional Loans: these loans are not backed by a government agency and require a higher credit score and down payment compared to FHA or VA loans.

5. Down Payment Assistance Programs: some states, counties, and cities offer programs that provide down payment and/or closing cost assistance to first-time homebuyers.

6. HomeReady and Home Possible: these are conventional loan programs with low down payments and flexible credit requirements.

7. Energy-Efficient Mortgages (EEMs): these loans include the cost of energy-efficient upgrades in the mortgage and can help buyers finance a home that’s more energy-efficient.

8. FHA 203(k) loans: these loans can help buyers finance a “fixer-upper” and include funds for both the purchase and renovation of a home.

9. Good Neighbor Next Door: this program provides a discount of up to 50% off the list price of select homes for first responders, teachers, and other public servants.

10. Reverse Mortgages: available to homeowners 62 years and older, these mortgages allow them to convert a portion of their home’s equity into cash.