I paid cash for my house here...the big thing for me was the income they required...I had to have my mom co-sign...sign on as the qualifying leasee. The utilities are much less. And... since you don't own the land, the taxes are about $300 a year...
Above 690 or greater the higher Fico score the better APR of what ever your trying to get.. Also huge factor in renting and buying a home.
Not sure but keep asking maybe someone has the answer.
Thanks! Your answer is awaiting moderation.