hey guys i just need some advice and help. my fiancee and i are looking to buy a house and we are first time buyers. what we are wondering is if we can ask for more on a loan than what the house is valued. what we are looking to do is consolidate some balances and to have some money to buy some appliances. we have figured out our spendings and if possible this would be better for us. we know that we would be paying more interest in the long run but we plan to make more on the house pymt than what will be asked. and i know we wont have trouble making pymts.
we went to her fcu and they only approve for the amount the house is worth. do you guys know if its possible to ask for more? and if so which banks or lenders would help us out?
since its late right now and banks are closed i figured to see if my fellow spurs/cantina buddies can help me out with some info or advice. the house may be in the market for a while longer and im trying to get this deal done asap. thanks guys for your help