Best loan program for a first time buyer in Florida

[Robert Kelly]

I don't have a lot of credit. I am thinking about moving to Florida. Does anyone know what the best loan program is for someone starting out? I can afford a down payment but probably not the FHA requirement for 3%. I am hoping to only pay 3% down payment. There are cheaper alternatives in New York. For example, there is the SONYMA program.

 Does anyone know of the best place in Florida to buy a cheap multi-family? I am looking in the Tampa area. There seems to be more availability in the New York area where I live for multi-family properties.