Russell, Turn Key Mortgage spoke this morning about a 10% down conventional loan which they now have available. FHA is 3.5% down, there are some HOmePAth.com homes available for 3% down. If you are first time home buyer and low income I have a spread sheet of local programs with down payment and equity share options.
Hi Russell - The best bankers I know are Calvin Sue and Shirley Dennis at Private Mortgage Advisors. PMA is a joint venture between Wells Fargo Bank and Alain Pinel Realtors and allows WFB to place loan officers in our APR office. The are not brokers, but mortgage bankers, so they work directly for the lender and can do their own underwriting (i.e., they make the final decision and your application won't get sent off to some committee). You can reach Calvin at 408 528-1718 or Shirley at 408 754-1610.