The other way is to go FHA and have someone (a family member is best - parents, grandparents, etc) 'gift' you the 3.5% down payment. We (Redwood Realty, located in Sonoma County, near Rohnert Park) work with a lot of buyers that use this program. You do not need to be a first time buyer to take advantage of FHA loans. I can recommend lenders that handle FHA loans in the Rohnert Park area. 707-584-9682
If you have other Real Estate questions, I would be happy to help you. We have been helping Buyers & Sellers since 1984!