if I go to a different bank for a loan and a different bank for a mortgage.
Added (1). what credit score will I need to get approved for a mortgage? I'm looking for a rent to own home.
Added (2). why can't I borrow for a down payment? If I owned a bank, I would only care about getting paid, if not, get the house upon default.
Added (3). what if I get a loan from family or friends, no one would know
Read more: Can I take out a loan for a down payment on a house?
