I have a left a posting on a couple of related goals and figured this could help all of you out there too. My mortage broker is unbellievable! He will help you figure out exactly what you need to do in order to become a homeowner. I completley trust this guy and he hasn’t let me down. His name is Nick and he is the branch manager at his job, Nick also can do all 50 states so give him a call @ 925-242-2226. It can’t hurt to give him a call, plus it’s free to see what he can do! Nick lowered my payment $500 and paid off some of my credit card debt. I know he can get the best rates out there because i really shopped around before going with Nick. He is joy to work with and very knowledgeable. I didn’t have the best credit score and Nick found out a way to get my loan approved in a otherwise unapprovable situation! I strongly suggest giving him a call. I hope my posting will help a lot of you out there get into a home. Best of luck!!!!!!