13-15k downpayment... that's a hefty sum... you have alot of power with that kind of dp and don't let them screw you when you go in... and don't afraid to threaten that you're not afraid to leave and go elsewhere! That's people's biggest problem they just bend over... I'd say goto a credit union... that's who financed me on my first loan for 7% with only a 2k dp. I don't live in NJ so it's hard to tell you where to go and who to steer clear of... GL!
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