The program is designed to assist low-income families, and these benchmarks might exclude a lot of qualified people.That said, the requirement for stable rental and work history is reasonable, but you might consider relaxing the credit score or income requirements since Section 8 guarantees a portion of the rent.

Most of the time, the home warranty takes a long time to approve your repair, reach the property, and then they use low-quality materials.

Would you rather set it and forget it and not need to refi again or rather take advantage of low/no closing costs on this loan and plan to be more aggressive on your rate at the time of your refi?

Would a low enough sales price make all of my concerns go away?

Those that preach no/low down payments are mostly just trying to appeal to the masses who want everything for nothing that will buy their courses.

It’s just more than I can afford, and I don’t want to offend you with a low offer.”

A lot of what you'll see here is older homes in desirable areas and that scarcity keeps price growth high while keeping sales growth low.

I have heard about low cost granite / stone, i just don't know where to get it. 

That’s why you get a discounted interest rate and a lower downpayment, because owne occupant properties are low risk. 

., but there’s some good news for renters: local rents have dropped to a 3-year low, with decreases of up to $200.