You will possibly qualify for an fha loan with 3.5% down if you havd some savings . i work with first time buyers and use local rochester lenders so my clients can walk into an office if needed. I would be glad to review your options. If now is not the right time i work with many banks that offer home buyer savings programs that will match $4 for every dollar you put in up to $7500 FOR you to use as a down payment. You can contact me directly at 585-236-7780.