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jodi w | How can you buy a house if you have bad credit? |
How can you buy a house if you have bad credit? |
 |
 
carlos
|
There you go :
http://index-go.com/buy-a-house.asp
http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp
Good luck ! |
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angeljre
|
You would have to go to a subprime mortgage company. Most of them can get you a loan if your credit score is at least 500 and your debt to income ratio is not too high.
My husband is a loan officer for a mortgage company. They do prime and subprime loans, if you would like to contact him and find out if he may be able to help you feel free to click on my profile and email me. |
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Amber J
 |
There are many programs available to people with bad credit. You need to team up with a mortgage broker who will have the resources to "shop" your loan around to lenders. This is better then you going from lender to lender and each of them pulling your credit which will only hurt you more. A mortgage broker pulls your credit one time and using that credit report goes to different lenders so you dont have to keep pulling it over and over again. If you need help you can email me and I would be happy to help you. I am a loan officer with a 16 year old mortgage company. I would be glad to offer any assistance I can if I am licensed in your state. |
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golferwhoworks
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The sub prime market is hurting right now but with out knowing your scores and what is in your file no one in this forum can answer your question. The only other way is a land contract or a contract for deed or a lease purchase option type structure.This has inherent risk though. If the current owner defaults or is sued for any reason and a judgment is rendered then you may not get the home when it is time to place it in your name. If you do this type of deal --ALWAYS pay on time and by CHECK ONLY!! After 1 -2 years you could possibly finance this home into your name. That will give you time to clean up some of your past mistakes.
I am a mortgage banker in TN & KY |
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Ralfcoder
|
You can still buy a house, but you'll have to qualify for a loan from a mortgage company or a bank. If your credit score is low (meaning you're a poor risk), you'll either get a higher interest rate, or qualify for a lower amount, or both.
You may get a better interest rate if you have a larger down payment. This will mean that you own more of the house, so you are less likely to default because you'll lose more of your own money that way.
The best thing you can do is to pay all your bills on time, and don't have too many loans. If you have overdue bills, pay them. If you have outstanding loans, pay them off. I know that it's hard, but it's the only way to get good credit and be able to afford a house.
Whatever you do, DON'T FALL FOR THE ZERO DOWN MORTGAGES. These are deals where people can buy a house with no money down. The lender and the borrowers are both betting that the house will appreciate fast enough that the buyer will soon have some equity in the place. Right now, they're predictinging about 1 out of 5 of these borrowers will default on the loan, and then they lose out big-time. Many of the others are probably struggling with the loan, and are behind. You're better off to take a smaller house, and live within your means. |
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gabriel jones
 |
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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cmruffin1
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it depends on how bad your credit is. i work with an company that will go as low as 500 credit score. send me an email cmruffin@bloomu.edu |
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Martin S
 |
Jodi,
Depending on your score, I still may be able to gey you a loan. contact me whenever possible.
msmith@premierloangroup.com
513-860-2940 ext 10
Martin Smith |
|
iceman
|
Just exactly how bad your credit is will be a big factor. Some people just assume they have bad credit because they have too much debt. Which doesnt always mean you have a low score. And some people say they have bad credit when in fact they have truley horrid credit.
You still have alot of options.Banks will work with you and try to find something that might fit your income and risk level. But be aware that if you are being charged really high rates you might have been better off renting anyway.
You also have the option of having joint co-signers on your mortgage. Perhaps a parent, or a good friend who may be willing to go in on the property with you. |
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