I have the oppurtunit to buy a house with 3% down with no PMI.
The loan with 3% down will have mortgage insurance some how unless you have a 2nd lien. Any loan with less than 20% down will have mortgage insurance. If you are not paying the PMI, then the lender is and you are getting a higher rate for the life the loan. I suggest putting the 20% down or doing a first and...

got a call from you but have not applied for a loan. Why........
I'm sorry, but I do not show a call from my company to you. Do you know what phone number the call came from?