Well there are several banks who can offer great rates. The thing I can advice you is, don't just shop a low rate, but rather a reputable loan officer and bank. I'm not suggesting that the rate is not as important, I'm just tryint to tell you that MANY loan officers will promise the moon and the stars but only a few will deliver.
Currently, rates for FHA loans should be around 3.625% for a 30 year fixed with no points. That is where we are at, I would imagine other lenders are too.
You'll need to meet with a loan officer, and let him/her review your 2010 & 2011 tax returns, recent pay stubs and 2 recent bank statements, This will let them figure out just how much you'll qualify for, or what you'll need to do to qualify for a mortgage.
If you need someone, I'm always available to meet in one of our Queens branches. Good luck!
Senior Loan Officer
Sterling National Bank