Mortgage types for my needs?I am a first time homebuyer living in NJ with a credit score of 667 and $12,000 in savings . I have been looking for homes in USDA eligible areas but have found few so far. I need to expand my loan options that don't include FHA.FHA is to costly with the insurance and it now never goes away or decreases so id like to avoid that altogether. I would like to hear of other options available such as %97 conventional,%5 conventional? I heard wells fargo offers a low down payment loan with %3 down but can not locate it on the internet. Any and all advice on what options are available for my circumstances would be appreciated,id like to put as little down as possible. Thanks for your helpAugust 04 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.