Speak with a good mortgage banker. What is available depends a lot on your credit, income, assets, and what you're trying to buy.
Professional Mortgage Partners has done some great work for my clients and I happily recommend them as well.
http://Www.homepath.com is another with only a 3 percent down payment requirement.
Another option is a USDA loan. These loans have a no down payment option and can also be used for new construction as well as existing homes. Give me a call if you would like to discuss. Of course, there is never a fee to chit chat.
Quality Mortgage Lending
I'd suggest contacting Dan Larkin with Professional Mortgage Partners when you are ready to investigate lenders to work with. He has been in the business for a number of years, and he is by far the most consistently great lender that I've worked with over 5+ years of being a real estate agent and 2 years as a residential closer for a title company. Dan can be reached at 312-952-8068 (cell) or 847-277-1781 (office).
Dan and I have no formal arrangements that benefit me when I refer him to clients other than he does not upset my clients nor mess up their deals (as almost every other lender that I have worked with has done at one time or another).
Good luck to you both, but it sounds like with your credit profile you should have no worries.
Broker Associate, Sudler Sotheby's International Realty
If you would like to prequalify, please feel free to contact me.