1) You can get a gift downpayment from family.
2) Seller can contribute up to 6% to your downpayment
3) Nehemiah downpayment, no-repayment - Seller signs contribution document. find out more at http://www.getdownpayment.com/hec.cfm
I have some great lenders, and it does not cost you anything to ask questions - email me.
Research and find out. Call different lenders and get good referrals from people that have worked with them in the past who KNOW what they are doing.
I don't understand why the lender you spoke with would NOT advise you on this!
I would find another lender.