Coldwell Banker Residential Brokerage
Follow me on facebook; Nina Kraus - Kraus Houses
You already received some great answers. There are several options available with a 10% down payment. I have several lenders from the area that I've worked with for a long time and they specialize in first-time home buyers. There is a bit of a learning curve in the beginning, but it is not rocket science. With the right people in your corner, you should be able to move forward fairly quickly.
The first step is to meet with a mortgage lender.
Best of luck to you.
If you need an experienced lender, feel free to contact me and I can give you several good lenders you could talk to. Feel free to call me at 414-687-2159 with any questions.