I was in the mortgage business for 10 years. I owned my own mortgage company up until 2008 when everything melted down and I lost everything. I bought a house 4 years ago through a program that was referred to me by a co-worker. Check out www.naca.com. They are a program that often works with blacks and other minorities, but they will work with anyone. They are a little extra work, but they require very little down and have very aggressive rate buy downs that can get you a very competitive rate with no PMI. Sorry if I sound like a salesman. I'm not. I just got a good deal with them and wanted to pass on the information. Best of luck!

I was in the mortgage business for 10 years. I owned my own mortgage company up until 2008 when everything melted down and I lost everything. I bought a house 4 years ago that was referred to me by a co-worker. Check out www.naca.com. They are a program that often works with blacks and other minorities, but they will work with anyone. They are a little extra work, but they have very aggressive rate buy downs that can get you a very competitive rate with no PMI. Sorry if I sound like a salesman. I'm not. I just got a good deal with them and wanted to pass on the information. Best of luck!