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Check out the FHA loans. I would also get multiple quotes on your loans. I got around 4 or 5 and the numbers were different with each one. Some approved me for more than others and some were easier to deal with. Avoid anything that is flexible rate. Like Cassie said, I would also look around...

I bought my very first home about 3 years ago. Have you looked into FHA loans? They have more restrictions but you can get a much better rate. It really helped me afford something better than I initially thought. I bought a duplex in a very urban part of LA so the market is a little specific I...