You may also want to try other first time homebuyer programs. I know that BB&T has a program where you put 3-5% down and don’t have to go through the inspection issues that you would with an FHA loan. Also, there is no PMI so it lowers the fees that you have to pay… I know that other banks also have programs in order to meet their CRA requirements, but they all depend on salary and loan amount. Just something to look into. Good luck and welcome to the neighborhood!!