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First time home buyer loan help...?

im getting a foreclosed house soon and i went to get pre approved at bell mortgage. what they offered me was a FHA type loan with Nehemiah program gift. im looking at homes in the 115,000 - 150,000 range. what bell wrote up for me as a good faith estimate written and signed, was a 130k fha fixed with a 2950.00 down payment provided by a non profit. and at 5.500 % 30 years a p&I of 732.16 dun and said is 976.43.which i want to lower id like to be at $1000 after utilitys, at least this is what i know i can afford,im not even sure if its possible.is there a better program out there for me. I WONT RENT! i live in andover mn with a 690 credit score, i aint got much in the bank and currently have little debt.(about 10k) i currently live with my parents so no rent. i work for my dad but get taxed through payroll. i make 20.00/hr and its very rare to work less than 50 hours a week in mid summer, but i dont work from mid nov. - april. in the winter i collect seasonal unemployment=351.00wk.