I do not see any fantastic advantage for you in taking that strategy Diane, unless the banks are doing something to encourage that activity. Get your credit cards paid, get your ratios in line with what the banks want. Save up or get your hands on some down payment money and go after a home you like the way you can get the best price-Qualified to get the mortgage! Speak to a top mortgage professional, HE WILL TELL YOU WHAT YOU NEED TO DO. Make sure he is right and do what he says. You should get a great home at a great price. Do not be afraid to use family, friends, business associates or anyone who can help you. Know this, there are few short cuts do what needs to be done the right way and you will benefit!!
Good luck and any other questions you can email me at email@example.com I have been doing this for 39 years and this is one thing that has not changed. Good Luck!!