I recently found a great program at M&T Bank here in the local Harrisburg market.
Checkout Barbara at: 717-948-2604.
Have several clients happy with service and terms (30 yr fixed 5.2% no points).

Hi Brooke, If a first time home-buyer doesn't have at least 5% down, I won't be able to help them because lenders are refusing to lend at 100% anymore. But a loan at 95% is the norm.

Here in "above the conforming limit land" we have to scamble for loans to help our folks in he $450,000+ range. We have the BofA "Acorn" program plus Wachovia has the $25,000 grant money avaialble. Buy-downs are working very effectively also as ou the Cal-Chfa loans. Problems still persist as we can't get them up high enough to reach our market and the income limits are very restrictive.

Brooke,
Locally PHFA has some great programs to most first-time homebuyers into a home. There are income guidelines but I think they are reasonable for most first-time homebuyers. Their Homestead loan also provides downpayment and closing cost assistance where the buyers would either have to put $1,000 down or 3% depending on their credit score. Dauphin county also has a no-interest program offering up to $5,000 for downpayment and closing costs and it doesn't have to be paid back until the home sells. I hope this helps. I don't remember all the details for these programs but I'm sure PHFA has a website.

Brooke:

For first time homebuyers there is one for sure that can be used anywhere in USA. The company is California Federal Credit Union. (Email me if you need contact info) The program is called The Helper Program. Like most credit unions, they have different rules than banks therefore have different programs.