That seems to be the million dollar question from everyone! The interest rate that you qualify for has several variables from your mid-FICO score, your loan-to-value (how much you will be putting down), and your income verification. In addition, if the "Loan Amount: is under the conventional threashold of $417,000 your rates will be slightly better. There are also several other variables such as length of employment & length of type of employment (you can currently be a chef working for under 2-years in the industry but come from the accounting profession and not be able to get an approval due to time working in a new field!) The best bet for you is to work with a professional that can take a full application, ask all the right questions and offer the best loan that fits your needs. There are several companies that will quote you the lowest possible rate, get you in the door and at the last minute tell you that you don't qualify for the best rate because of your situation. Always look for a professional website with a bio, verifiable address, direct phone number (not a call center) and last but not least- Google them! to see if they come up and are in the spotlight! Good Luck
With some lenders condos (due to the risk) have additional interest rate hits as well as increased reserve requirements.
0 down is tough right now unless you can go full documentation, have assets and the price point is not too high.