There are a variety of loans available for those with good credit. The Lawrence area is lucky to have quite a few good competitive lenders. FHA is an option and lower down payment conventional financing is as well. Don't forget that Congress and President Bush just signed the housing relief bill that gives first time homebuyers a $7500 tax credit that works like a no interest down payment loan. One knowledgeable lender is Danielle Baker at Oread Mortgage, firstname.lastname@example.org. Good luck!