Well, when I arrived at home, I got an offer from FirstStreet mortgage and they are typical sub-prime. They would qualify me at 9.5% with no money down, and loan amount of $90,000 with 2 points paid. I want a house, but I am sticking to my guns about getting a prime rate. After my BK in 95, I really didn't have any idea or desire to rebuild credit and the only creditors that would offer to lend me were finance companies/subprime credit card companies/ high interest automobile financing etc. But at this stage of the game, and what I now know about lending, I'll be dammed if I settle for 9.5%
