USDA/Rural housing loans
Ron may want you to look at a USDA/Rural housing home loan.
Backed by the USDA, rural loans are similar to VA and FHA, except they are only available in selective rural areas and have income limitations. USDA is a 102% loan with no down payment required and does not need monthly mortgage insurance.
The USDA loan is not limited to first time home-buyers. The seller can contribute up to 6% of the purchase price towards buyers closing and prepaid costs. Financing is available as a 30-year fixed only, for single-family residences and condos only.