I need some mortgage advice.?

-First time homebuyer
-Do not have enough money for a huge down payment
-Was approved over a year ago for $ 180k
-Live in NJ

Will that mortgage approval still be valid? What are the different types of mortgages for first time home buyers? What is PMI? Why do some people get 2 loans for their first home? Does anyone know about the grants that some people get when purchasing a home that pays towards closing costs, if so, what are they and how does one qualify for that?

I have contacted a real estate agent that was reccommended to me but have not yet spoken with her. Should she be knowlegeable enough to answer these questions I have as well and more?


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