As has been said by the others, there are loan programs available that will work for you. I have a few mortgage brokers I can refer you to that can get you pre-qualified fast, and specialize in working with first time buyers.
Also, I just wrote a blog post about a first time home buyer I was able to interview. It's about steps they wished they took during the process. Check it out at the link below!
Call or email for details,
Danny W Der
Charlie Tiffany, Broker Associate
Prime Realty, LLC
Specializing in 1st-time homebuying!!
I used to be a loan officer in the area. I would agree with some of the answers below. You may qualify for USDA 100% financing or even an FHA low down payment. Personally, I would recommend contacting a local loan officer or mortgage broker in Barron or Rusk county and ask them about these loans two options. You are most likely going to be charged lower origination fees going with someone local than going with someone from a larger city. I hope that helps.
If you just need questions answered about purchasing a home, I will be happy to discuss it with you. I am not near your area, but I will still be happy to talk with you.
Otherwise, come back and let us know how things go for you. We often answer questions here on Trulia, but never here about the outcome. We would love to hear from you.