I have FHA programs that only require 3.5% down payment. The 3.5% down payment can be a gift from a family member too.
cheap 200-350 a month
fenced back yard for small dog if no fence that's fine
decent clean home with nice size closets
The scores you get from the "three credit agencies" are not your actual FICO scores that mortgage lenders will use, they are what are call ... more