FHA loans are avstill ailable with 3.5% down. No money down is possible with USDA rural loans, (there are income and location restrictions) and VA loans. Also, ask your lender about a VHDA or FHA plus loan. Good luck!
I would suggest you try www.realtor.com. I have used it to search homes for sale in different areas with great success. It seems to be updated quickly. Good luck and have a great 4th of July!
Absolutely! You can ask your agent to get copies of previous bills from the sellers or you can usually call the electric company and ask for that information. To the best of my knowledge that is not confidential. Remember, your daily routine/habits may increase or decrease the bill! How many people live in the home now vs. how many people will you have living in the home?... things to factor into your calculation! Great question and good luck on your purchase!