I was looking around and came across a realtor at a open house who stated that there will be a new subdivision coming soon...sometime around August. I was wondering if you know the process of new subsdivision. How to choose my lot and/or plan? Also I found out that the builder usually pays all closing costs. So all I would need is a down payment...(I have some saved but not much). I am not purchasing anything or applying for credit. I'm on the wagon until I get a mortgage. My score has not changed yet....still 579. I am planning to pay off both credit cards and maybe that will increase it to 600. I was told 600 is the minimum to qualify for a mortgage. I'm sure you can tell I'm a little excited but nervous. HELP! Tell me what I need to do. I need to be ready by August so I can be amoung the many who will pick and choose layouts in the new subdivision.