Here is the link to the San Mateo County Heart loan Program.
it requires only 5% down. It is the best program going. Not well known. Only one lender can do it.
I will say as a low down payment buyer you will have to be very persistent in finding a home where the seller will accept your offer. I just got one accepted after 3 tries.
Once you get approved please give me a call at 877-Lee-Sells (877-533-7355) http://www.leesellsmore.com
If you fit within certain financial peramaters you will qualify for a 2nd loan that does not have regular monthly payments. This loan will cover just about all of the 3.5% that an FHA loan will not cover.
Depeding on you income and if the funds are currently available this may be a good solution for you.
I'm not sure that this forum will allow me to post a link to the specifics of the program I am referring to. So if you email me directly I will send you everything you will need in order to see if you qualify and make a well informed decision if it will work for you and your family.
I hope this helps you.
- Jason Wheeler