[quote=lfterrell]How interesting without knowing much, only that I’ve saved some money and admitted my credit score is not where I want it (685 average) you’ve gone on this rant.
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I used information you provided in the OP.
[quote=lfterrell]We would like to purchase a home in San Diego using the Agreement of Sale method. We know our credit rating is not the best, but we do have good income, very little debt and some money $20,000 that can be used towards down payment. We obviously are not looking for a mansion, but would like something 2-3 bedrooms under $500,000. How prevalent are agreement of sale contracts in San Diego?[/quote]

You mentioned your credit score was an issue. I did not pull that out of thin air. You mention you have $20k to put down on a $500k purchase – I did not pull that out of thin air.

I stated my opinion that it would be better to take some time to concurrantly work on your credit score and save more down payment. I’m sorry you were offended by that.