What Is Better for a 1st Time Home Buyer, Mortgage or Owner Finance?

mortgage

I found a home I really like but its $97000 and my income is $1600 per month. They can give me either option to finance myself or mortgage. I want a mortgage because I want to have everything escrowed and then refinance after 2 years. My credit score is 561 and possibly I can get a better interest after 2 yrs. What would be my best option?

What Is the Best Mortgage in Order to Refinance ?

refinance

i have lets terrible to ok credit.i tried to do an application with my current mortgage but they told me i couldnt do it because a touch about percents.and they also told me that if they couldnt get me approved no other mortage could ?? who knows if this is right or not.but i was wondering whats a excellent mortgage to refinance.my current mortgage is household finance,.