You can get a home loan without a down payment, but you will have to pay private mortgage insurance. This is something most banks require if the mortgage is for 80% or more of the home's value. You can have the bank cancel the PMI when you have paid enough of the loan principal to make the amount owed equal 80% or less of the home's appraised value.
Rent to own programs are usually hideously sleazy. They will charge something called a "lease option fee," which means you'll pay as much or more per month than you'd pay on a standard mortgage. Plus, not all of your monthly payments will be put toward the purchase of the home. It can be as little as 60%, while the rest goes into the broker's pocket. You can get into a home without a down payment, but your payment will be even higher. Additionally, when you've been in the home for the one-year option period, they'll start looking for any reason to kick you out of the house. Any violation of the terms of your contract, no matter how minor, means they can put you out of the house, keep all of your money, and rent it to someone else. If you go this route, you need to read the lease to own agreement VERY carefully.
I strongly advise trying to rent and live small until you've saved enough money to make a 20% down payment on a home. It will save you thousands in the long run.