ricky hatfield is a believer.pect him to make a full recovery. >> it's remarkable. >> michael finney is here answering questions you sent him through facebook and e mail. my husband and i want to buy a home soon but cred jit not amazing. would it make sense to save up for a down payment or pay off credit cards? which are banks looking at more? >> this is a fabulous time to do this. if you want an fha loan you need a down payment of 3%. other loans you'll need 10%, if trying to refinance you're looking at 20% or 25%. now whit comes to your debt what they're looking for is over all debt no more than 3530% of what you potentially could borrow. 30% of each individual card now i don't want to you do anything yet. i want you to get together with a loan broker or your local bank and talk to the lender about what they want to see. the package has to be acceptable to those that want to have a mortgage. >> we've got this one from evea. she asks is ampm allowed to charge a fee when using their card promo? >> okay. here is th