Hi Brian, there are numerous loan programs available for a variety of buyers, including what you're looking for. I would encourage you to be persistent and not give up. In other words, talk to as many loan officers with different institutions as it takes. I have worked with buyers who become discouraged too quickly and easily, while the persistent ones eventually prevail.
I don't know what style of agent and/or loan officers you like to work with, but I'm a hand-holder that can hang in there for the long haul and most challenging of situations. My contacts offer that same type of personal attention, because those are the ones I prefer to cater to my clients.
I'm proud to offer a list of super competent, tried-and-tested loan officers with a variety of brokerages, as well as direct lenders. You'll want to explore all of your options; you'd be surprised how many direct lenders offer great programs and even great service (imagine that), over the BofA type institutions, which limit their lending to meet the most rigid, cookie-cutter standards.
For access to my list of preferred loan officers and lending institutions, as well as a copy of an article that may be very eye-opening about what type of lender is most compatible with certain types of buyers, I welcome your call or email. No obligation. 760-464-1205, email@example.com