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.
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I know this post is kind of old, but I just wanted to add in there just in case you still are looking for advice or if other people look by..... You should look into first-time homebuyer incentives in the area. Many are income based, so you might not qualify, but some places have incentives for buying in certain areas. Also, if you're interested in buying in a rural area you can put 0% down on a USDA rural loan. Just things to consider and look into 🙂 I just purchased my home in July of 2018 and got $500 back at closing because I used a first time homeowners incentive and also got the seller to pay $2k of the closing costs. It worked out well for me!
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