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Hello all... I've been lurking and learning for a while and now would like some suggestions on my first home purchase. Here is a quick rundown on me:

Salary 58,000
Year-end bonus 40-50k (Due next month)
Monthly debt 850
FICO average 645 (But been working on all 3 for several months so it should be going up)
My salary should increase 2-3k per year and bonuses will reach 60-80k.
Will probably stay in house for less than 5 years.

I would like to get the most house for my money but want to keep payments below 1300.00 month. Would also like to make the minimum down payment so I can invest the other. It would also be nice if I did not have to impound for taxes and insurance (if that is possible). I have reduced my learning curve over the past few months but would like some suggestions on which loan you be best for me.

Thanks in advance,

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