IMO…Anyone doing 100% financing shouldn’t be buying a home. Don’t take this the wrong way, But you have 2 kids and pay $1400/month for rent and you have limited savings in your pocket. What makes you think that you can keep paying a mortgage comfortably at around 2700/month with a 3rd kid on the way.
I just think you should move to a comparable place and rent. Save that 700-900/month, for at least 3 years, which would give you over $30K easily plus add the extra savings that you should be putting away during the same time. And then you should have a decent downpayment. And then try and enter this market. I think you’ll be pleasantly surprised by then with a lot more options to choose from.
