<prompt> Human: Im going to be a first time home buyer in the new year. I havent spoken to a lender yet but Im pretty sure the approval will be in the 250-300 range. I have the money to do 20 down and avoid PMI just curious if this is old school thinking or if this is still the best way to go. Thanks in advance for the advice..:Assistant: Thanks guys I have a lot of people in my life who look at me like Ive got two heads when I say Ive been saving up for 20 down  <response>: Its cause most people suck with budgeting and financial planning. Congrats on the new housing venture!! You are going about this the best way. 