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Your best loan is going to be one that's 80% of the purchase price (or appraisal, if lower). No mortgage insurance (MI), or "MI" built into a higher rate. If you can go "full doc" and document your income for the last two years (in the same line of work), and show enough assets in the last 60 days (checking, savings, 401(k), etc), you can get the best loans out there with a 620 FICO score.
Behind that, put a second mortage. A home equity line of credit (HELOC), or a fixed rate second. You can go up to 100% of the purchase price with those.
There are some programs that go over 100% of the purchase price and allow you to payoff consumer debts, but those loans suck, IMHO. As long as you qualify for the home loans and the consumer debt together, I wouldn't pay them off with a purchase money loan(s).
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