Other than the Florida Bond Program, you could consider using the NACA Program. In my opinion, it is the best one out there financially speaking, although, you will have folks in your financial business a little deeper than the traditional mortgage process. It is worth it though, as you don't have to pay anything back and they offer you the best interest rate, with no down payment, no closing costs and no mortgage insurance. Program benefits those who don't have great credit, but can show that they pay their bills on time for a length of period. Contact me if interested in more details. No matter what, good luck in buying your home.