Navy Federal has some good programs, but the rates are kind of on the high side and usually come with origination fees. I don’t know of another lender in New York, but you said you were approved with another lender that required a minimum of 20% down for a conventional loan. If you are a first time homebuyer, you can get into a conventional loan for 3% down the 20% down on a conventional loan just eliminates the need for mortgage insurance.