Unforetunately,the MI companies will not insure anyone below a 680 on conventional. I spoke with 2 of the lenders that I work with and both told me the same thing. FHA is the only option at the moment unless you can get your score up. You actually may need to be over 700 to only need to put 5% down. If I can be of any further assistance do not hestitate to contact me.