My son is in th process of buying a house, he is also young, 23, has no credit, so his bank looked down their nose at him, he went to a mortgage compnay, he needed no down payment, as the hosue he bought had been apraised at 59,000.00. His interest is a fixed rate of 7.25%, his payment is 391.00 a month for a $53,000.00 home for a 30yr loan. His insurance he is paying yearly at 530.00. his taxes will add about $100.00 a month, so he is about 500.00 a month. He thinks 7.25 is a little high, but I tod him, be patient, build equity in his house, build his credit, then look at finding a lower rate. He bought an small older house in a real little town, about 30 houses, but it is a start for him and it puts my 2 grandsons less than 1/4 mile away, good for me.
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