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Besides the regular mortgages, you can also get a USDA mortgage which is aimed at giving zero down mortgages to the people. But there is a major requirements to get qualified. You need to buy a home in one of the rural areas to get qualified. This has been very helpful in the rural development. The fact is that these loans are much better than the FHA loans. The FHA loans were introduced few years ago and has been helping the middle class people to get a mortgage. But these USDA mortgages have much better terms than the mortgages insured by the FHA. So these loans are another option for you. jeff thomas