Thanks for the info. Since I'm still in the process of cleaning up my credit and raising my scores I haven't really worked with any LO just yet. I've contacted a few, but haven't done any apps, b/c I still need to get to 620. My concern is that since I'm so focused on paying down debt, I'm not saving up for the downpayment. I guess I'll get in contact with the LO I've spoken with to see what my options are. If a downpayment is absolutely necessary, then I won't be able to buy the house this year and can stop killing myself using every dime I have to pay off debt and instead focus on saving money.
I can't do the USDA loan, as I want to live in our city limits (that's a must, for my daughter to go to the school that I had her transferred to), but I'll look into the HLPR loan.
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