Bank of America, Wells Fargo and Chase all have great programs. However, the success of a smooth transaction will also rely heavily upon the loan officer, and the branch that you are working with. As good as I think each of these lenders can be, each has also delivered headaches when the communications between the lender and agent, title co, attny was weak, or, moreover, the communication between the lenders depts was weak. I always advise buyers (and agents) to learn about the programs that a lender can offer, and also to interview and qualify the loan officer.
Alot of my clients have been using the PHFA (PA Housing and Finance Agency) loan. There is an approved lender list at their website: http://www.phfa.org
Some other clients have used the first time buyer bond program offered by our county, where the interest rate was even better than PHFA.
Both are excellent programs if your buyers meet the qualifications.
For first time homebuyers there is one for sure that can be used anywhere in USA. The company is California Federal Credit Union. (Email me if you need contact info) The program is called The Helper Program. Like most credit unions, they have different rules than banks therefore have different programs.