I didn't realize I am back in high school?

Would love to hear if you ended up giving them a shot. 

You move you're stuff into temporary storage and then move it back into your new property. 

But with COVID and higher rates I know a lot of banks/credit unions have cut back on some of their products, so I guess PenFed did too.If you are based in FL you can try Space Coast Credit Union.

I was getting interest rates that were slightly over 7% for a fixed, and I recently learned about the 5/6 ARM through my local credit bureau who I had financed my car through many years back.

Like many have commented very few, if any, lenders will allow for less than 20% down, and what won't happen on the front will on the back. 

You can have it quoted as non-warrantable and if it comes back as warrantable, the interest rate and monthly payment will decrease a bit! 

Back to your question.  

But, it's now bounced back from the low of Q1 in 2023 to almost the peak 2022. 

If you want the only thing that is going to happen is home prices will continue to go up.It's the same as being married asking are we ready to have kids there is no right time it just works itself out in the end.