re: Buying Home Question

Money down to help reduce the monthly note will be hard to come by since you haven't worked for that long. Also, keep in mind you need to plan to be in the same house for a few years to get above water.

Make sure to add in taxes and HOA dues. I found plenty of places I could afford if it weren't for the taxes. And go ahead and dig up your past few years of tax returns now so you'll have them when the underwriter asks.