In Florida we have first time homebuyer money that can get you up to $10k to buy a house. Also with the new FHA rules shortening the time to qualify after a bankruptcy, foreclosure or short sale you hopefully should not have to rent more than 1 year.
Take a look to see if you can qualify for the State bond money (there is plenty of money available but you MUST work with an APPROVED lender on the list):
All the best,
Alma Rose Kee, PA
Future Home Realty, Inc.
FYI, that is also the front end or housing ratio allowed for FHA loans.
Now you have a value from which to search for housing that is affordable to you.
Brock Realty Inc.
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There are steps to take to get you into that perfect place, and it's a lot easier than you may think. Please call me, I'll be happy to help you.
Keller Williams Realty New Tampa
good luck, contact me if you need help.