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Do you have a local bank or credit union where you are members? You might want to visit them to apply. You may benefit from a bank that will hold and service your loan in-house; as a portfolio lender. Many lenders will have loan minimums but an FHA loan could be ideal for you. The down payment is 3.5% or roughly $1200. If the co-signer is family, they can be a non-occupying co-borrower. IF your credit score isn't high enough, the NOCB must qualify with all their debt and income for the purchase price. USDA RD loan program is a great program and has reasonable guidelines. Again, talk with a local lender so that you can work on getting mortgage ready. Check below for property eligibility and more information. You are in Nash County. IF you need the # for the USDA office I can follow up in the morning.http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11
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For Sale: $164,500
For Sale: $49,900
For Sale: $52,500