Bear in mind that as a lender, we get about four price quotes a day. While this seems a little high to me, give it the benefit of the doubt that it was the high quote of the day. FHA and VA loans are my speciality. I suggest that you work with someone who is up to date with all of the new FHA programs in order to make the best informed decision.
Good luck and find the right house for you!
Shirley Haddix 408-690-2607