You do not need 20% down payment to buy a house in California or Arizona. You can buy a house with no money down to as little as 3% down payment of the purchase price. You must qualify with income, debt ratio and credit for each home loan program with USDA, FHA, VA, and Conventional.
here is the podcast that goes over credit https://www.podbean.com/eu/pb-s6569-d13f94
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Nathan RuftyMortgage Loan Originator
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