Ducks in a row

          After we got a call that the house was available, it was time to get our affairs organized. I had already started to repair some of our young and foolish credit mistakes, but it had only been a few months. Would our credit scores reflect the changes? We need a real estate agent and a lender that won't have our best interests in mind. After getting some recommendations from friends we settled on our real estate agent fairly quickly. Finding the right lender was a difficult process.
          We met with a mortgage broker who had a safe sounding, conservative approach and another lender who's promises sounded too good to be true. Which way should we go? The further I went with the broker, the math started to make sense. safe and conservative was her way to get more of my money in her pockets.
          It turns out that Mr. "too good to be true" made it happen. We ended up with an Acorn loan and the CHDAP to buy points. He got us 0 down, 40 year fixed @ 5.25%, first 10 years is interest only. You might be looking at your monitor right now thinking "WHAT?!, that's too good to be true!" You would be correct, except for the part where ..... it is true. I don't know what he did to get us that loan and I'm not going to ask.