Here is a blog of the loan programs to overcome those hurdles.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
20+ Years Experience
9am till 7pm Monday thru Saturday, Sundays by appt.
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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
here is more helpful info
$$$BUYER CASH REBATE 50%-60% / SELLER DISCOUNT 50%$$$
Flavio Tejada, MBA-Finance, Realtor, Broker/Owner
Web Reference: http://americarealtyonline.com/