2. You didn’t study bank low down programs
Big banks usually offer a wide range of options for mortgage clients. But if you are not much into the financial sphere, you probably won’t take note of the available and rewarding ideas. For example, some banks have low down programs for mortgage which work easily: if you buy insurance in some of partners’ companies, you get 5% low down payments or some other upsides for your credit.
You still need to buy insurance, and it usually doesn’t change the price much. With expensive insurance packages, even 5% off the interest rates would be quite a significant discount. Look out for gainful propositions and ensure don’t lose your chance of getting discounts!