Also is the credit looked at combined or they will consider my credit first?
Qualification? primary borrower
Rate is based on lower borrower
2nd? for the loan process I have the option of paying off all of my debt before the relocation. Would it be better to eliminate all debt or will this reflect negatively on the credit report? Depends on the debt
3rd ? I read something about FL offering a downpayment assistance program for buyers who have not owned a house within the past 3 years. Any Idea where I can get info on this? We have a couple of programs but it depends on the area
4th ? Are most homes up to code with hurricane standards or do these codes depend on they year the house was built? If so what years encompass the best standards?
Built before 1959 and after 1994 is better, but codes change so the might not be up to todays standards, make sure you get what we call a deal killer inspector, I have one if you need him.He takes about a half a day to inspect the home.