All lenders no matter who you are require 3.5% downpayment or more, based on credit scores, debt ratio, employment history of 2 years. If your credit scores are below a 620 might want to improve your scores then apply for loan. HOWEVER DON'T have anyone pull your credit scores for a loan till you have had negative issues addressed and deleted from reports.
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I think there is a glitch between Trulia and the local MLS. It is actually a 4br 2bath home, as you expected.
Here's a link with more info: