Whats better for first time home buyers?

Should I put a down payment of 16,000 on the house? Or should I see if my bank will give me a 90,000 loan to pay off the house, and ill just pay the bank back? Whats better? I am so new to all this and I want to ask questions before even buying or getting a loan out? And what else should I know about first home buyers? Thank you
There asking 20.00% down at 5% what does that mean?

Register New Account
Reset Password