We used a FHA. House was around 115k. Our credit wasjust good enough at the time so we jumped on it. Our mortgage is $900 for a 3br-2bath ranch with a 2 car garage.

Seller paid most of the closing cost.

I can honestly say that I didn't feel any resistance or racism whe trying to buy my first home.

Charlotte is a boom city right now jump in if you can. Even if its in the hood, get on it because this city is on fire right now.