I have a different kind of mortgage for a first time homebuyer loan. Will I still get the credit?

We will be signing for our first home next week. The mortgage lender owned the house and he is for our first year, financing us himself, because of our credit points. The second year, we are going to in house finance. Would we still qualify for the first time home buyer tax credit even though we have a different loan situation?
Wanting to add, I already HAVE a lender, thank you, don’t SPAM my question.

I’m putting more than 20% down payment on a home purchase. Is mortgage insurance required no matter how large of a down payment is placed. This is a first time home loan.

My broker claims that I have to buy mortgage insurance even though I’m putting more than 20% down because its a first time home loan.
Don’t know if this matters but I live in California

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