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We are looking to buy a condo/townhome in the $250K range and do not want to put money down - but want to avoid the pit fall off PMI. We have enough to put down 10-15% but we would rather keep our savings/nest egg/rainy day fund (35k) for security. Our combined income is 135k with both of us having 800+ FICO scores.
We are not first time home buyers - we sold our home last April to downsize and have had a difficult time finding something we like --- but now that we have we want to move forward but want to be realistic as to the products offered currently.
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OP here...Not a Veteran and not a rural property.We got burned by the upfront MI - we only stayed in our last property for 3 years and of course no refund to the tune of about 7K. Did not leave a good taste.Looks like our income is too high for the CHaFA program for Arapahoe Co.
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