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My husband and I have excellent credit and we make very good money but have about $7,000.00 in credit cards and no money to put down as a down payment. We can afford a house for less than we pay in rent. Can I take a loan out for the down payment if I use a good cosigner or is there a better way to come up with the down payment and other fees?

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

melissa depending on where you live you can quite possibly find a state bond program that allows for first-time homebuyers to qualify at a low rate and at the same time obtain assistance for down payment and closing costs.

when purchasing, you can always request that the seller of a property pay a percentage of yoru closing costs, also...up to 6% on fha loans and up to 3% on high-ltv conventional loans. look into this also.

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