personal loan

[Sarah Jones]

i am trying to buy a house and i need to borrow $60k but my credit is not so good. one of my friend was willing to get the loan under his name for me because he has good credit , 3 year pay check stub making $35k per year with no debt (no credit card or car loan or anything)

1. does major bank like bank of america, wells fargo , chase offer $60k personal loan?
2. how much can we really get can we ask for more than 60k? his credit is at 700+
3. when they do a personal loan do they charge points like a home loan if so what is the usual points?
4. any other suggestion? i wanted to make a cash purchase i am only short 60k... my credit is horrible i dont want to do a hard money loan..