advice for first time home buyer?

[RikaKazak]

I'm sorry man, I got through like 1 page of responses and I had to stop reading cause it's tilting me.

I can honestly tell you that you're getting advice from people who are pretending to know more than they actually do.

If you'd like help hit me up on MSN sometime and I can help you out.

For the basics...here's a quick to do list:

Student loan debt isn't that big of a deal, credit card debt can be and can't be. It basically depends on your "debt vs. total avaliable credit"...so if you have only 1 credit card with a $1,000 credit limit, and have a $900 average balance it's worse than having 2 credit cards, each wiht $1,000 credit limits and $450 on each card (hope I explained thatok)

You want 4 trade lines, but 3 trade lines are fine like 99% of the time. A trade line is a student loan, or a credit card. So you have 1 of each, but you need 1 more. I'd just get another credit card. you'll get dinged a little for opening up credit cards, but since you won't be buying for awhile it'll be more beneficial to do it than not to do it if you're buying in 6 months + (basically trying to say if you're buying a house "this" month, don't open a new credit card, it's just stupid)

With your situation it won't be a problem at all getting a loan. It'll just be the terms you decide on. The more you put down, the lower the interest rate, the shorter the time, the lower the rate, adjustable = lower than fixed

blah blah, you get the idea, basically don't stress, you'll get the loan. Just look online for tips on how to make yourself "look better" or ask someone who has done it multiple times or is a mortgage broker.

p.s. never actually use a mortgage broker for your loan...well....I can say 99% of people who used one shouldn't have, but there are circumstances that can make using one smart, but trust me, yours isn't one though.

hope that helps a little, sorry if it doesn't make sense, was 8 tabling while writing it.