Need a loan program at 3% down, no monthly mortgage insurance or an appraisal on the home, then look at www.homepath.com for available homes that offer just that. Bonus to the program is that, it is a Fannie Mae product and does not require to run credit on the non-borrowing spouse. Great home loan program with buyers with limited down payment, spouse does not have lendable credit and at the present moment the seller (Fannie Mae) is offer to pay 3.5% of the sells price in closing cost for the buyer, huge bonus. Call me at 909-503-5600 to discuss this loan option.