I would agree with Tim. ?In most cases I've worked with buyers to help them improve their credit and, eventually, get into the home of their dreams. ?Visit with a Loan officer. ?They can pull your credit and help you understand how to make the move and what kind of cash you will need. In many cases it it will be significantly less than you think.?
Source: http://www.zillow.com/advice-thread/Thinking-of-buying/483400/
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