Since I work for a bank, we seem to have more loan options available to borrowers than typical broker shops or internet lenders.  Below is a list of ways to get to 100% financing.

1) State Mortgage Revenue Bond Program

2) Employer Assisted Housing Gift - this is allowable by FHA

3) Community Development Block Grant Program - in our area, the cities have them, probably more...

   - Pascagoula, MS

   - Gautier, MS

   - Ocean Springs,MS

   - Biloxi, MS

   - Gulfport, MS

4) Home of Your Own Program - offers up to $20,000 for a family that has a disabled person living in the home.

5) VA Loan

6) Surviving Spouse of Veteran (if Veteran died while on active duty)

7) Obtain a 3% Gift from a blood relative

8) Build a home on land you already own. I can do 90% of the appraised value of total Project.