If you are in Oregon check out the Oregon Bond Loan Program, for which State funds should renew in July, and you could ask to be pre-approved now to close in early July. If a Veteran, go with the VA Loans first. Pacific Islanders and other persons of color might find extra opportunities by going thru a non-profit Portland Housing Agency orientation. Hacienda and the Portland Land Trust are other good options for the right families. Don't give up--at least get into a down-payment matching program, tp make sue you save the most possible for a loan down payment.. Good Luck!