You might want to look into the Nehemiah Program as well. There are lots of things a good mortgage broker or lender could help you out with. I know that sometimes taking that plunge into calling a mortgage broker can be a bit nerve wracking, but here's my advice to you on that... a) find a lender that comes recommended to you by someone (whether friend, family, real estate professional, etc.) and b) try and remember that these people, are here to help you out. Mortgages can be a bit scary when they start throwing numbers around and terms that you may not be familiar with, remember to ask questions and don't be afraid to be honest and say exactly what you're not understanding or what you want explained more in depth. If someone doesn't want to take that time to explain things, find another broker or lender. A good professional one should be more than willing to make it all seem easy to you and make you a better educated consumer at the end of the day. I know mine did when I bought my first house and every mortgage broker I've used since then has had to live to that standard. Check the web reference below for a link to the Nehemiah Program and good luck in your search. Much like others on the site, I'd be more than happy to help you in your search or just to answer some questions, so feel free to contact me if anything pops into your head. Good luck in your search, it can be some crazy times, but when its all said and done, house buying is one of the most enjoyable experiences I've ever had.