Thanks for sharing the letter and I'm glad you had great success lately!
Though I know it is difficult to find, I know there is still zero down loans out there. But, I'd at least talk to a LO and see what the options are for you first and you can decide what is best, save for home or continue to pay down debt. Or do a little of both if you can and start selling unused items or something to pay down debt. :D
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