does your state offer "piggy back silent loans"? there are a lot of programs CA offers (besides FHA) depending on city, that fund you on your first time home loan. you might want to check it out ...

how would i check that out??

look into a financial planning class thats usually offered by like Century 21 etc. they'll give you the ins and outs and what loans the state/cities offer.

Weichert's better ;-)

heehee well i dont know big realtor outfits there...century is the only thing that came to mind. lol

Oh actually we're not local to NJ, we're international. About 450 offices across the country and 3 relocation offices outside the country. At the moment there's only 3 California offices tho I th...