USDA and VA loans are 0% down. USDA loans are only made for qualifying homes in rural areas.
When you're ready to buy, the best place to start is to hire an Exclusive Buyer Agent to represent you. EBAs represent home buyers only, and work to get you the best price and most favorable terms. You can go to NAEBA.org for a referral to an EBA in your area.
I'm an EBA and I wrote a book called "Buying a Home: Don't Let Them Make a Monkey Out of You". It will be the best $6 you've ever spent. Follow the link below.
I once lived in the Mohawk Valley of New York State and we had a 150-200 year old hand dug well. Our house had been abandoned for years so my husband climbed down the well and cleaned it. We had to have water delivered to the well to fill it up some, and the water came back on its own in a couple of months.
Anyway, we had the water tested and there was some contamination due to the orig. condition of the hand dug well. Things had fallen into it for years before a concrete slab was installed in the 1950's or so. We found everything from cast iron toys to animal bones in there. We had the water tested, and the water was contaminated but easily treatable for home use. But, I ended up boiling the drinking water anyway just to be on the safe side. With any hand dug well, the water should be tested before drinking. Some people live in places for years drinking the water out of streams, old wells ect., and never sick. I think they must build up an immunity or something. But, the water gave me a sore throat right away, so I knew something was wrong. I sure miss that old well with the pitcher pump. I remember going outside on a freezing winter night with the sky so clear you could see the Northern Lights. Beauitful area.... more