I am looking to buy a duplex home as an owner occupied unit. I have good credit 785, very low debt, but not much in savings. I see 3.5% is required for down payment. 85k income and looking to buy something around the 170-190k range. I am not a first time homebuyer. I have a rental property I purchased back in 08.
Where should I start? I want to have my homework done before calling a bank. Being that it is an FHA loan will the rate, MIP, terms etc… all be the same amonst the lenders? Any other lenders offer low down payments?