A good lender should be able to tell you what to expect for an FHA loan and its requirements.One tip I have is to go to local credit unions or local small banks in your area and ask if they have any special low down payment programs for first time homeowners.

I have heard of programs where you don't have to pay MI but the high interest payment doesn't make it worth it.  

Contact Both of Your Senators by phone, e-mail and/or mail If you don’t know your Senators (contact both), you can look them up at the link below and then go to their office’s specific page to get their e-mail, phone, and mailing address.https://www.senate.gov/senators/senators-contact.htmOnce you select your state your two senators should pop-up and there will be a hyperlink called Contact next to each Senator that will take you to their office’s page to make contact by e-mail, web-form, or phone.Remember, the two problematic sections of the House Tax Bill are sections 138312 and 138314.What Should I tell my House Representative or my Senator – Example email?

Though I have seen times where that not the case.Both FHA and Conforming have loan programs that can also lend you the money  for repairs.

FHA has first-time buyer programs set up for people just like you that require pretty minimal down payments. 

The program now has way to may flaws and is charging me 90 a month plus 58c a card.

Its not giving me the option to message on the web page 

You msy consider calling your locslhousinh authority, the ones who handle the Section 8 program Even though you may not want to use the program, it could open your eyes.I  have done this and been suprised at how much they pay....or how little.PS.

There are also DSCR, investor cash flow loans but require 20% The bank statement loan program that somebody talked to me about had a much higher interest-rate.

I am buying a property in SE Michigan using MSHDA assistance program to fund the down payment ($10,000).The home is being sold as is and need repairs.