Best answer from question by Jonathan:
Answer by mccarthy410
Short of having at least 20% down and paying closing costs and mortgage insurance and over 8% interest, or finding a house you can afford to pay all cash for, I don’t see it happening. I’d work on your credit and wait. I’m sorry to tell you that, I’m in the same boat and working two jobs and the goal for me is to either put as much down as possible or buy outright. You could try FHA loans and they might work with you, but I’d concentrate on getting as much down as possible or if you can, save till you can do it all cash.
Sorry to sound harsh, cold and cruel, but life often is and I’m just telling you the truth.
Best answer from question by CaliGirl:
Answer by Culture Warrior
I like Bank of America’s rewards credit card. We pay around 8% for the rate… I think.
You could try a Home Equity Line of Credit with your local bank. Many of those rates are pushed down to 6% or less and the interest should be tax deductible.