Below is some additional specific information from Trident Mortgage..
Current rate 3.875% with no points 30 year fixed conventional
Credit scores down to 620 (lower scores have higher interest rates)
We have 100% finance programs for certain rural areas and veterans
Gifts are acceptable with a gift letter signed by the gift donor and borrower (we provide the template), copy of gift check and donor's bank statement showing the funds withdrawing 

Dana Gounaris
Mortgage Consultant
AVP/Regional Manager 
Trident Mortgage Company LP
P) 856.905.9017
F) 610.650.5584
Pre Qualify Now:
NMLS# 13818