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Lisa M | Howm can i buy a home with bad credit? |
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Gary H
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Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.
Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.
You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:
http://www.axalda.info/bad-credit-mortgage.html |
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ibspecialk21
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Lisa,
To buy a house with bad credit is not as difficult as people think. Yes it's easier if you have good credit, but it can still be done with bad credit. First of all what's more important is to know what makes your credit bad. If it's a bankruptcy, foreclosure, or repossession it is extremely difficult. But if its other things making your credit bad, it can be done! There is a very good company that gets loans for people in your situation. They are nationwide. You can get lots of information about your credit, and many other topics from their website. www.worldclassfinancialgroup.com.
Good Luck!! |
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acermill
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You can buy it with cash (which of course is extremely difficult to do). You can wait to improve your credit score until it's acceptable to a mortgage lender. OR, you can save up a sufficient downpayment where a lender might be more willing to go along with less than perfect credit, since you will be paying down a substantial amount of the price of the house. |
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PSF11
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Ever think of getting good credit first? A credit report isn't permeant. If you can't handle your finances, what makes you think you can even keep a home with bad credit? And why should anyone trust you with their money if you have bad credit? Why not prove to yourself first you can be responsible instead of trying to lie to someone else that you can only to get an overpriced loan you can't afford? |
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realestatebirddog4
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Hi Lisa,
One of the best ways I know to buy a house with bad credit is to do a lease option. You make a down payment on the house and lease it for a certain period of time. Try to negotiate that some of the rent gets credited towards your down payment when you are ready to buy the house.
While you are making your rent payments (on time), work on cleaning up your credit. Most credit can be improved with a year of on time payments. You will also need to clear up any major issues like judgments or liens.
I would suggest asking for a lease option period of at least 18 months. You could lock in the price of the house at todays market rate, clean up your credit and build up your down payment. Also, in todays market place, you will find more homeowners willing to work with you because the market is so slow.
Good luck to you Lisa. Hope you find a home! |
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Glen G
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Students who are looking for a bad credit student loan should pick three schools they are most interested in, talk to the admissions office, and ask what is needed to apply in their school.A bad credit<!--student loan is payable only after the student has completed his or her education, and has started earning a certain minimum amount. You can find more information on Student Loan here,
http://badcredits.awardspace.com/student-loans.htm
The minimum amount that the candidate of the bad credit student loan is required to earn has also increased. Bad credit student loans are available as both secured and unsecured loans-->depending on whether you are a homeowner or not. The rate of interest to be paid on unsecured bad credit student loans is higher than that on secured bad credit student loans. This is because the secured bad credit student loans are backed by your home as a security. |
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Barrabas_6025
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How bad is your credit? How much would you have to do to fix it? For example, if you owe a great deal of money and have collection agents hounding you, then buying a house is, in my opinion, the last thing in the world you want to do. Pay up what you owe first! If you have slow credit and/or lates but no outstanding bad debt, you should seriously consider raising your credit score before you enter the housing market. Nolo Press has a great book about credit repair, and their web site has lots of good info too (see link).
If you still want to try to buy a house with bad credit, you may find that the time to do that has come and gone. A few years ago, banks were giving out "subprime" home loans to people with poor credit, but they are finding that those were too risky and are tightening up their requirements now. If you follow the stock markets, particularly the Dow Jones Industrial average, you know what i'm talking about. |
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Othniel
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First step is to pay your bills and fix your credit. It will take time. Save money for closing costs and down payment. Once your credit is in better shape you will be able to get a loan at a good interest rate.
Remember the bad credit didn't happen overnight. |
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Etta P
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In today's marketplace where the foreclosure are the highest they have ever been, it is going to be very hard and if you can bet that a large (25%+) down payment will be needed for starters. I have provided a website that may give you some vauable information. Hope it helps |
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Fico C
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Yes you can buy a house with bad credit.
How? Putting money down. You will have to show some vested interest in the property.
Some of my clients think their credit is bad but sometime it shows to be ok. Note, if you have subprime credit, you will get high rates. |
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janet h
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u can always ask a family member to buy it for u then when u get ur credit fix put it under ur name |
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ameer999
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if you are self employed your accountent can do it for you they have a way but thay ask for mony |
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