Thank you for all the advice and encouragement. I live in South Carolina, homes aren't stupid expensive. The home I am looking at is 119k.
I am 25 years old and didn't realize how expensive it is to buy a home. I am finding out that you pay a hell of a lot more on loan fees, insurance premiums, and taxes than on your principal.
I am continuing to shop around for a loan I am comfortable with and if not then I will just take this as a learning experience and keep saving money.

Anyway, I will let you all know what happens over the next several weeks in case my experience can help anyone.