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Speaking as a fellow 22 yr old... I say save up a few thou for a down payment and get a good work history going... no reputable bank will give someone a loan with a decent interest rate without a history of paychecks (hence the reason they ask for a pay stub) I owned a chrysler crossfire for a year instead of my dream car so I could save up little by little, and even built up my credit a bit before getting an SS (on order and due to be here in august btw!!!! yayay) And def go for the SS... thinking about all that hp will help you wait a little while and save some $!
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