As far as your FHA question, yes you will have to pay PMI. Your options are to either refinace out of it down the road or put 10% down and it will come off after 11 years.
Yes you still have to have PMI on FHA even if putting 30% down. As the previous poster mentioned the only way out of the PMI before 11 years is to re-finacne to a conventional earlier than that. With doing 20-30% you will pay less PMI but you still have to pay it