One option is USDA a loan that will aloow you to finance 100% of the home. You can even add in closing costs if the homes apprasial will cover the cost of the home and the closing costs. This is a really nice loan program and it is based on income and debt ratios. .
Fha is another way to go you need 3 1/2 of your own money into the deal. it can be cash you have on hand, gift money, from a 401k or stocks. With FHA we can ask the seller to pay closing costs. Up to 6%. ( USDA allows this too)
Fha will go down to a 580 credit score >>you will need 5% down here.
If you get pre approved for a loan then you will know which program you will fit in and what amount money you are approved for. Plus you will need a pre approval letter to write contract on a home anyway.
If you want a list of homes emailed to you in the east York area send me an e mail address to send them too.Happy to send them and then you can review them and pick the ones you like. And from there we can reveiw taxes and see what that home will cost you a month. And get out to go look it it as well.
I work with buyers and buyers only>. I will be happy to help you and know how to get you to settlement without a lot of trouble!
Now if your still thinking rent to own we can explore that too. BUT you are soooooo much better off buying if you can. call or email 7174650661 or firstname.lastname@example.org Buyers agent with Coldwell Banker.