I agree with Susan, if your doing an FHA loan with bond money or assistance from a state agency I would definately look for a class and just try to find it to get it done. Often state programs offer a true 100% program with a lower discounted rate often for being a first time homebuyer or not owning a house in the past 3 years. If your getting state assistance with your mortgage is combined with an FHA loan and it's really a perfect loan for you. In my state I only have 2 100% programs right now. And with the elimination of Ameridream and Nehimieah coming up here in the near future., state angiencies are going to be the only place to go to get 100% financing until banks change thier minds on products. Best of luck!!!