Hi Asami
Wow, thats a question that could take a long time to answer, I'll try to give you a short version. There are MANY lending programs available to you. It really comes down to whay you qualify for. You really need to speak with a lender and discuss with them what you will need based on your credit scores funds you have on hand, any downpayment assitance you may qualify for and available loan programs at the time.
Keep in mind too that along with your downpayment you will need to alot funds for closing cost such as title, escrow, insurance, tax impounds (if required) and other costs. If you are in the Southern Cal area you can give me a call and I can direct you to some good lenders that you can choose from.
Let me know if I can help
Terry Patton
714-594-5788
