I have a new job in another state, commute am is 1 hour, commute pm is 2 + hours should I move now..

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to my new job location or should wait to save money before I move. I also have a very young child where I spend almost no time with my child.

I have virtually no money saved, I expect a decent tax return in Feb as we all do if you request a rapid refund. I would be a first time homebuyer and with my monthly net pay minus all deductions, I can afford a mortgage. Also, considering all monthly bills, like water and electricity.

However, I have a bad credit history but has improved considerably in past several months. Its at about 700.

According to FHA loans, I would definitely qualify considering my history. But its seems the traditional 30 year fixed rates are much more lower. And although I am seeking 100% financing, it would not be a jumbo loan since the home price is less than 400K.

Also, purchasing points would further decrease my interest rate.

My questions

Buy points..is it worth it?

0 down, 100% loan.. is it worth it?

What should I do? Your experiences please.

I have a new job in another state, commute am is 1 hour, commute pm is 2 + hours should I move now...?

I vote move but, then I am a REALTOR. I vote move becasue of your child and the time away from them is already enough while you are at work. Save the gas, save the extra daycare money, save the exhaustion, enjoy the meal preparation and the end of day relaxing with the family. Putting her to be and maybe even a story-right now you are probably too tired to cook or read stories! Buy yourself a life again. Get the house!

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I have a new job in another state, commute am is 1 hour, commute pm is 2 + hours should I move now..

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