I am no real estate guru, in fact i have been known to listen to what Kochie says, which shows just how little i know!
sorry i just had to laught at that, that's hilarious!!

to be honest, me and DH are no where near getting a mortgage, but i know if it were me, personally, i would be saving as much as i can. i have heard a lot of bad things about 100% loans, so i think the more you can save the better.....but i also understand you wanting to get in me market as quick as you can. anyway you could save for a year or 6 months or whatever, you said you weren't in a hurry.....that's what i would do.....