I've written a best selling book called Buying a Home: Don't Let Them Make a Monkey Out of You. It'll teach you how to buy a home and get a mortgage without getting ripped off. Follow the link below.
Best of luck!
The City of Lake Charles has a program if you qualify that will cover up to $8000 of your closing costs toward the purchase of a home in the city limits. Also Whitney Bank and Iberia Bank have had grants in the past to cover those costs as well, without the city limits restriction.
You can also ask your lender about a Rural loan where you can borrow up to 100% of the loan, as long as the home is outside the city limits.
Please feel free to give me a call at your conveience. 337-794-9259 and I'll help you get the ball rolling!!