Yes you can, in most cases. The rate is typcally dependant on what type of property you are buying. For example the % down is slightly higher for a Condo, between 5% and 10%. For a single family, the down payments range between 3% and 3.5%. My mortgage broker actually has a new program for as little as 3% down and no private mortgage insurance. I can certainly help you with a home search, and also direct you to my Mortgage Broker. My contact info is on the web link below. If you click on the Mortgage Calculator Tab, the mortgage brokers info is there. Id be happy to help!