[Dangergirl]

If you have good credit you can also go with a no doc loan. There are some lenders that do 100% financing on no doc loans, but others also require 5-10%. This is assuming that your fico score is at least 720. This is how I bought my house.

If your grandfather has excellent credit you can also have him finance the house and have your name on the loan as a non purchasing spouse. Depending on the state you live in it might also have to be an income property for him. He can always say it is an income property for the two of you, and you are rentring it to your girlfriend.