5% down makes me think Aaron had a typo.
OK, if it IS a horse, then talk to people in your area. Spend at least 6 months getting to know who is good and who is bad. Wig with WTS has horses and mules he and his wife buy, sell, show all the time.
Now, if you're really talking about a HOUSE, then don't put 5% down, put down 20% so you don't have to pay PMI and getting a good mortgage company and realtor are the 90% of the solution, IMHO.
