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Well I can't believe I put in an offer! This condo is only $69,900 and is perfect for me! My Realtor and I could not believe what great shape it is in. I would be looking to close Feb 28th and applied for USDA with a lender. I will give an update tomorrow to if the offer is accepted or not. I am sure I will have more question for you all and you have been such a big help for me.
When I first went in to meet my lender I had my credit report and FICO scores and told him I figured out my front and back ratio. He was shocked I knew so much. It was mostly from being on here and a few months of research. I also came up with the same numbers the underwriter did and I am $15,000 under what I was qualified for and this makes me happy because I really can afford to buy this condo and sock some money away at the same time.
Ok I can go on and on. I hope to have some good news tomorrow and hoping for at least a counter offer.