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marebare83 | Help in buying a house? |
i am 24 and despretly want to buy a house, i have 2000.00 dollars in savings and was wandering if someone could tell me if that is enough for a down payment? and if someone like me with bad credit will be able to buy a house with the money that i have? |
 |
 
JeffK
|
If you're a first time buyer, there are usually programs with no or little money down, but the your credit question can only be answered by a lender. |
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45 cal
 |
You need 20% Down >bad credit not going to help>with all the foreclosure so keep saving till you have enough for the down payment And money to fix it up>Insurance & utilitys>Etc> |
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blue
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it depends in the area that you live in, but most of the time you have to have at least 10 percent of the down payment, also it's best to have someone co sign with you, because if you go thru a bank they will charge you a higher interest rate sense you have bad credit. also if you loan get the loan make sure that you insist that all extra charges they will charge you are included |
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CIFYACAN
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Depending on your income you may qualify for down payment assistance. The money you have most likely won't be enough for the down payment and the closing costs. Your credit may be the biggest issue depending on how bad it really is. With the mortgage crisis lenders can't lend money on homes like they use to be able to. Go to your local bank and see what they can do for you. An experienced lender can point you in the right direction. Also, there may be first time homebuyers classes in your area so I would check that out. |
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Pure Genius
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it depends on where you live and if you can find a mortgage lender that can help someone with not so great credit.. you may also want to improve your credit before you try to buy a home...found a great real estate web site with tons of home buying information, it may not be for the area you are looking it but it is really useful..
http://www.timmdelaney.com/
http://www.timmdelaney.com/PageManager/Default.aspx/PageID=2041211 |
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meka
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Buying a house doesn't really have a lot to do with how much you have saved it depends more on your credit score and how much you earn on your job. Do an online search for churchhill mortgage ive heard some good stuff about them such as they dont judge you by your score but by how good you make your payments. |
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rhsaunders
 |
No. You could, with some difficulty purchase a house with $2000 down if your credit were nearly perfect. You may be able to do a rent-to-own sort of deal; speak with a real estate agent about lease-purchase plans. |
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surreal_survivor
 |
meet with a rea estate agent in your area to discuss your tops in a downpayment amount and also your credit rating.y every house seller has their yea and neys as to purchasing so your best bet is to find a 'good' real estate agent in your area that you can sit down and discuss ALL your concerns. good luck ... it is a buyers market out there and i hope you fidn something ! |
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tommy
 |
I doubt it, sorry. |
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taylorferrera
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no if you have bad creidit im 44 belive me |
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country_girl
 |
my dear - you can buy a house with $1 down...but what you realy need to have money set aside for is closeing costs.
because you have bad credit, your best bet is to ask the seller to pay at least 1/2 if not all closeing costs and put 1/2 of what you have saved down.
You wont be able to buy a house for $2000. and you are going to want to have financing all in place ahead of time.
the more money you have to work with and put down the more serious the sellers are going to know you are.
you need you financing pre approval in hand before a realator will show you a house because this tells them that yes you are qualified and you qualify for a home for $X amount |
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Will Y
 |
If you have bad credit this is definitely NOT the time to try and buy. Best thing to do is to save like mad untill you can come up with at LEAST a 15% down payment and then make sure to get a 15 year FIXED mortgage with total payments (principle, interest, taxes, and insurance) of no more than 25% of your monthly take home pay.
At a MINIMUM make sure the interest rate is fixed.
While you are trying to save up the down payment, work on improving your credit rating by paying on time and getting you credit accounts up-to-date on the payments. |
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mom4dafirst time Oct 7thGirl
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Call a 1 800- # I see signs all around town all the time and if not see if the bank will finance it for you could be your best option if u have bad credit, it may be enough for a down payment you will just have to look around and call |
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