Another approach to this is to find somebody offering, or willing to offer, seller financing. With 15-20% down and a FICO like yours, if you also have a job, you would be a good candidate for this approach.
The problem is, sellers who aren't investors per se do not always realize the benefits they can realize by offering seller financing. It takes a good lawyer to structure the deal, but it certainly can be done and is done all the time. This kind of deal is also sometimes called a "private mortgage."
I suggest you start by finding three houses in your price range that you would be happy with. Then, contact the listing brokers and ask them if the seller is open to financing the purchase.
You're going to need to be persistent. You might want to search loop.net for properties, too.
Licensed Real Estate Salesperson
Charles Rutenberg Realty, LLC
127 East 56th Street, 4th Floor
New York, NY 10022
(212) 688-1000 ext. 383
(917) 365-0876 cell and text messages
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