If you'd like me to refer you to someone, let me know!
If you aren't good at saving money, perhaps this isn't a good time to become a homeowner.
For other readers of this thread, consider this: if you're not putting money into the deal, you're really not BUYING - someone else is doing all the buying.
In the same way that you wouldn't run a half-marathon without training, it's a good idea to get into financial "shape" by getting into the habit of having some money in savings B4 you go out and commit to a thirty-year mortgage.
What do you do if you borrow to the max to buy a home, and then - something comes up? Where's the money for THAT going to come from?
We'd all love to sell more homes, Spotty1, but we need our homebuyers to have a little bit of a solid footing before they take that climb.
All the best,
Sitting down with a mortgage consultant is your best path to take at this time. There are many dfferent loan products available and speaking with a mortgage professional should get you the answers that you are seeking. If you need help and don't know who to speak to give me a buzz!