How to buy a home with no money down in Pennsylvania: The complete guide

How is borrowing money from a family member helping you put no money down on a home not only am I needing a loan but now I have to pay back the family member as well

My credit score is 780

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I want buy a house, but need help, I don't have a credit card because I thought about debt, my credit is 698, how are would it be for me