Is the property purchase going to be your residence or an investment? Do you know what your credit score is? If the property is going to be your residence and you have a credit score of at least 680 or so, you may be able to purchase with a lower down payment. If the property you are purchasing is in Alvin, you might try Hometown Bank of Alvin (next to Kelley's Restaurant on Bypass 35). They are a little more 'flexible' than the big banks and most mortgage lenders. In addition to being a realtor, I also own a few investment properties in Alvin. I worked with Chad Dudley on financing the last one we purchased last December. HTBA has a 'hometown attitude' when it comes to banking and will go the extra mile for the 'locals'. Contact Chad Dudley for more info. He can be reached at (281) 388-5000. Tell him that Maggie Adams referred you.
If you are not currently working with a real estate agent, I would love to assist you. Call me or send me an email: Cell - (281) 705-6075; Office - (281) 786-4010; email@example.com.