Some lenders may sell that they don't charge points but have several points worth of fees to make up for it.3.

PM me and we can set up a time for a quick call.

Hence, why there is an up charge to make up for the difference. 

You may be able to find 15% down but even that is VERY hard to get and with the changing lending climate could completely dry up.

They'll have resources.Also - check with your real estate broker regarding asking the seller for a credit (FHA allows seller credit up to 6% of loan amount) toward paying closing costs. 

A question I have been pondering within myself for some time and figured here would be a good place to get an answer.I currently own a home that has close to 100k in equity in it, we plan to move in 3-5 years to our long term house and would be sizing up a fair amount.So my question is should I use the equity to fund investments/projects, or should I save it and roll it all into my next house so I can have it paid off sooner/lower my monthly.

I also offered a credit when he used me as an agent.He told me they weren’t going to renew so I put the property up with the $300 increase.

However these are probably not move in ready, so you might have to do renovations and you don't recover that.HOA liens are risky and you likely get wiped out at some point.I'd say mitigate your risk by NOT buying condo foreclosures, but neighborhood HOA foreclosures where the HOA dues are more like 400-$600/year, so maybe you pick these up for $1500 and live in a $300,000-$400,000 house for a year rent free. 

They owe 68k, it does need some work, I’m willing to put in the work to bring the value up if I can get it back on the gift, it should be worth about 200k, the house next door sold for 225k.How does gift of equity work?

Many investors benefited from the huge run up in values from 2018-2022.