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I'd say you have a good chance of qualifying, and you may even look into the NV Rural Bond program for first time homebuyers, depending on where you want to buy. Talk to an experienced Realtor and get their lender referrals.As for getting rejected, that really shouldn't be a concern. It's more like getting free financial advice. There's no risk in applying, and even if the lender says that you cannot qualify right now, they should be able to give you a checklist of things to do to get yourselves qualified. The only thing you should be wary of is qualifying for a 'bad' loan. What I mean is that if the lender has to get really creative to qualify you, or if you have to pay an exorbitant interest rate or exceptionally high fees, that may actually offset the benefits of home ownership. If thats the case, try a different lender or perhaps don't buy until you can get a more traditional loan that makes more financial sense. Not trying to scare you, but I caution you about being so eager to buy a home that you get into an obligation that's not right for you.Good luck!Jim Elliott
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