High credit should I get FHA loan

[Lynae Mamey]

Hello, 

We want to purchase a duplex but a lot of the options require at least 15% if we want to house hack or 20-25% if we buy as a straight investment property. To get around the capital needed for the down payment, we are considering an FHA loan. But the lender is saying our credit is so high it would be a more expensive option? But what other low down payment options are there?