> Sam wrote:
> I have 20k sitting in the bank. 

Yeah, then CDs or cash.  You may want to consider the 80-10-10 or the
one where you can get a loan for the down payment.  With low rates
it's really cheap money and your 20k will probably beat the interest
on the loan plus you'll have a cash buffer available in case of
emergency.

As to home loans, I'm clueless, but my wife is a finance expert.  If
you'd like offline I could have her give you general advice.  Whatever
your situation she'll be able to get the best deal.  She actually
likes doing it.

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