I want to buy a house, and I received a preapproved
letter of credit from BOFA for 50,000 with a monthly payment of
735.00 for 96 months and a rate of 7.99% APR (there is
also a 3% transaction fee) . do you think is this a
good idea to put this money for a house down payment as opposed to do 80/20 mortgage with no down payment with the first being 7.00 and the second mortage being 8.99 APR?? will that make sense?? will my score (773, 745. 698) go lower if i do this and maybe my APR will be higher??