It sounds like you might make too much to qualify for some first time home buyer perks, but I'd definitely still look into it! I used the first time home buyer grant in my area and they paid my entire down payment and all my fees. I just have to live here for 10 years and not rent or sell it. If I do, it's a pro-rated amount to pay back. Ummm.. the military comment... Unless you legitimately thought about joining before, don't. If you did think about it... Your degree lets you become an officer, which gets you a better salary than enlisted. They'd pretty much pay for your housing while you're in, and you could realistically just save the down payment while you're in. The loan option I took was better than VA home loan. Honestly, most of the time there's a better option than the VA home loan if you have decent credit.
