Here some examples of loans available to first time home buyers or repeat buyers that require little to no down payment-

Fannie Mae Flexable 100                                                                      

• For repeat or first time home buyers                                     
• Down payment:   none
• Loan limit:   $417,000
• Income restrictions:   none
• Interest rates:  As much as 1/2 percent higher

Fannie Mae Mycommunity Mortgage

• For low-to-moderate income buyers who don't have a traditional credit history
• Down payment:  none
• Loan limit:   $417,000
• Income restrictions:  Combined household incomes must be $85,000 or less in the county based
• Interst rates:   As much as 1 percent higher

Federal Housing Administration  (FHA)

• For first time home buyers, people with fair to excellent credit and modest assets
• Down payment:  3%   but can be gifted or come from nonprofits (Nehemiah program)
• Loan limit:  $362,790 subjet to change
• Income restrictions:  none
• Interest rates:  comparable to conventional market rates if not better

Veterans Administration  (VA)

• For honorably discharged, retired or active duty service personal
• Down payment:  none
• Loan limit: $417,000
• Income restrictions:  None
• Interest rates: comparable to conventional loans

These are just a few of the available loans. To chose the right loan for you I would suggest talking with an experienced mortgage broker. I work with only qualified, trusted mortgage brokers and would willing to give you there name and number.