If your score is 770, you shouldn't have anything to worry about in terms of qualifying for a mortgage credit wise.
There are a essentially 4 programs available that offer low or no money down options.
1) VA is no money down but you have to be a qualified Veteran.
2) USDA is also no money down but you have to buy in an eligible rural area & qualify under the county income limits.
3) FHA requires a down payment of just 3.5% of the purchase price. On a $250,000 sales price you would need a DP of $8,750. The down payment came come from a family member as a gift or you can take a loan against your 401K & we won't have to count the loan against you.
4) Fannie Mae & Freddie Mac both have a program that only requires a down payment of 3% but they both have income limits.
I would see which ones you qualify for & then let you decided which option works best for you.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
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