Regarding loans, I just answered your similar question explaining downpayments and percentages required, and suggested FHA-approved buildings. You can see the more detailed answer there.
Best,
Jenet Levy
Halstead Property, LLC
jlevy@halstead.com
http://jenetlevy.halstead.com
http://www.nyc.gov/html/hpd/html/buyers/downpayment.shtml
http://www.nyc.gov/html/hpd/html/buyers/lotteries.shtml
http://www.nyhomes.org/Home/Buyers/SONYMA/index.htm
