First time home buyer here. Would like suggestions.

[Lee_Burough]

Many thaings affect your credit score....

CC debt will most likely lower your credit score, causing your interest rate to be higher.

Talk to the bank issuing your CC and ask for a higher limit (but, do not use the extra credit available). Some of your score is based on your credit available -If you have a lot available, your credit score will be higher.

A higher credit score (more available credit and no CC debt) means a lower interest rate when you finance. Could easily leave you with $100 more a month to spend on your car

 

[Lee_Burough]

Yeah those things are true about a corner lot, but I sure like mine. As for the money down, I forgot about PMI. I used the VA benefits, that sure helps out alot.

If you put 20% down, there is no PMI. When your equity grows to more than 20%, you can get an appraisal and the lender will discontinue the PMI. A couple ways around it.

 

[DaJoker]

Make sure none of your neighbors have POOLS!!!!!!!!! Didn't check that one and I live next to the "party" house now! Nothing like trying to sleep and get waking up @1 am with laughing and talking 10ft from your head! Needless to say me and that neighbor are "less" than friendly.