Asked by meagain, Mesa, AZ • Sat Jul 6, 2013
Just recently we attended an 8hr home buying class in order to get down payment assistance. Now we feel this was a worthless effort. As we progressed through the requirements we soon realized we still needed a hefty $3000 in savings in order to meet the requirements. Needless to say I wondered why the assistance required this much money. I have been doing allot of research but I find its best sometimes to ask. My lender informed me of USDA loans. I would not mind going rural at all. But is this really my only option? I have done some reading about home in 5 programs. Our credit score is on the rise. In several months we have gone from 570 to 630. Just removed a negative mark that had 0 balance due. We have yet to pull our scores since this occurred. I know we will have the 640 score required in a matter of weeks. My lender knows our financial background but never offered any other program that requires no money down other than USDA. Should I find lenders with more programs? Or leave we
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