<prompt> Human: My partner and I are in a bit of a sticky situation. Neither of us were very smart with money in the past and this year we decided to make some serious changes to get out of debt, save some money and buy a home of our own. We currently live in an apartment and our lease is up March 1st. The plan was to stay in our apartment until August because we were told we could go month to month after our lease was up and purchase a home then FHA loan but we found out last night that if we stay where we are our rent will go up. Even if we sign on for a full year, it will go up from 935 to 1140 per month. Its not that we cant afford the additional money, we just dont feel our two bedroom, and two bathroom 1200 square foot apartment is worth it when we can find homes to rent in the area with more space and a garage, basement, and yard for equal or less money. We dont have any money to use as a down payment on a house and Im sure we can come up with a security deposit between now and then if we were to move, but I have no idea what to do here. We were pre-approved for 150,000 when I met with a credit union for a mortgage. In our area you can get a pretty decent sized house for that much. I feel cornered with no options and Im madder at myself than ever about how much debt Ive managed to get myself into over the years. Any advice? Assistant: Well, there is some risk here...but...go to another bank and get a personal loan for the down payment. Then take that cash back to the credit union and buy the house sooner than you planned. like next month! Then double down on paying the personal loan off early.Human: This isnt a bad idea. Weve been budgeting for a month and already weve knocked out a bunch of debt. Had we known things were going to happen the way they have, we would have used that money towards a down payment instead.  <response>: This is a terrible idea and likely wont work. 