The more money you have for a downpayment the lower your interest rate can be.  That's from Kara Loftus, vice-president of mortgage services at Mountain American Credit Union.  She says putting your house-buying plans on hold is a viable option until you have sufficient funds.

If you are in the military or a veteran, you could qualify for zero-down home mortgage. There are also 100% home loans available for first-time buyers; but you will need to cover the fees for taking out a loan.

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