What is the best way to access more money to buy a house?

What is the best way to access more money to buy a house? My wife and I are 28 and looking to buy a house. We have about $12k saved up for a down payment but I am wondering if there are ways I can better allocate my money?
Currently I pay $750 a month on student loans. I have $44k left on it and the interest rate is 4.5%. Is it worth refinancing to lower my monthly payment to $100 a month and using th...

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