What loan is the best?

you have to make sure that all of your credit cards and loans are paid to amke sure that your debt to income ratio is high enough--the bottom line is if you have to put 11,000 on a home then there is a reason(why so much} the amount down is normally 5% on a mortgage. If you owe other debt that will be taken into consideration. If you have no credit then you will need a co-signer or build credit by getting small loans and small balance credit cards and after 1 year of paying on time you will not be required to put 11,000 on home under 200,000,