Conventional conforming long-term, fixed-rate  mortgages available for terms of 10, 15, 20, 30 and 40 years.  Adjustable rate loans also available. These loans meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.  Generally has higher loan limits that VA or FHA.

FHA might be just what you need. Your down payment can be as low as 3% of the purchase price, and most of your closing costs and fees can be included in the loan. 

VA-guaranteed loans which offer major benefits to include: No PMI requirement, low or no down payment required, a choice of repayment plans, no prepayment penalities, limited closing costs.  Eligible properties include town homes and condominiums.