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<blockquote data-quote="baklava" data-source="post: 2210855" data-attributes="member: 40182"><p>I have excellent credit, the problem was the down payment. I live in the Bay Area so I'm in a different boat than most of the country. I could have put down 10% on my home but I'd pretty much wipe out my savings, instead I did 3.5 down with the FHA and used what was left over to remodel the kitchen and bath. I bought the house a year ago, and with this market, it has increased enough that I'll be refinancing out of the FHA next month.</p><p></p><p>Ready to buy a home? I bought it before I even reached top rate. I wasn't going to leave myself at the mercy of the insane rents here.</p></blockquote><p></p>
[QUOTE="baklava, post: 2210855, member: 40182"] I have excellent credit, the problem was the down payment. I live in the Bay Area so I'm in a different boat than most of the country. I could have put down 10% on my home but I'd pretty much wipe out my savings, instead I did 3.5 down with the FHA and used what was left over to remodel the kitchen and bath. I bought the house a year ago, and with this market, it has increased enough that I'll be refinancing out of the FHA next month. Ready to buy a home? I bought it before I even reached top rate. I wasn't going to leave myself at the mercy of the insane rents here. [/QUOTE]
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