how to buy a house without going into debt?
85364
["Rent to Own. Renting to own can be a good alternative if you're unable to save for a down payment or don't qualify for mortgage financing due to a low credit score. ... ", 'Get Owner Financing. Occasionally, the owner may be willing to sell to you directly. ... ', 'Get a Private Loan. ... ', 'Pay Cash. ... ', 'Becoming a Happy Homeowner.']
729243
["You don't need a down payment.", "You don't need perfect credit.", 'You may be approved with more debt than other mortgage programs.', "You'll get a lower rate and pay fewer costs than other loan types.", "You won't need any mortgage insurance."]
1172867
["Live Off One Income. Some people like the idea of paying cash for a house, but don't think it's a reality. ... ", 'Sell Your Home and Purchase Another One. ... ', 'Get an Investor. ... ', 'Use Seller Financing.']
388195
['7 Steps for Buying a House: ... ', 'Step 1: Save for a Down Payment. ... ', 'Step 2: Get Preapproved for a Mortgage. ... ', 'Step 3: Find the Right Real Estate Agent. ... ', 'Step 4: Go House Hunting. ... ', 'Step 5: Submit an Offer. ... ', 'Step 6: Get a Home Inspection and Appraisal. ... ', 'Step 7: Close on Your House!']
443990
['Check your credit score. ... ', 'Save a larger down payment. ... ', 'Keep your income stable. ... ', 'Pay down existing debt. ... ', 'Get a mortgage pre-approval. ... ', 'Get a great rate. ... ', "Know what you can afford (and what you can't)"]
1347833
['Know How Much Home You Can Afford. ... ', 'Understand the Different Types of Mobile Homes. ... ', 'Find a Reputable Retailer. ... ', 'Look at Features. ... ', 'Consider Buying New or Used. ... ', "Don't Be Afraid to Negotiate. ... ", 'Know Your Options If You Have Bad Credit. ... ', 'Avoid Paying “Extras” to the Dealership.']
75772
['Save for a bigger deposit. You may need a larger deposit if you have bad credit - for example around 20-30%, instead of 5-10%. ... ', "Get help from family. Most lenders will accept a deposit if it's 'gifted' from a family member. ... ", 'Get a guarantor. ... ', 'Sort your finances. ... ', 'Speak to an adviser.']
1391095
['Pay off all the debts. Being debt free is important before you buy a bunch of stuff. ... ', 'Buy a New Home. ... ', 'Buy a New Car. ... ', 'Travel the world in style. ... ', 'Donate to Charity.']
129046
['Shop around. ... ', 'Check for all types of bad credit home loans available in your area. ... ', 'Find a co-signer. ... ', 'See if you qualify for down payment assistance. ... ', 'Look for first-time buyer programs. ... ', 'Look at a variety of lenders. ... ', 'Make a larger down payment.']
1209286
['Consider Extra Costs. An extra mortgage payment is already costly enough, but there are other factors to consider, like: ... ', 'Look at the Market. Where are you planning to buy your next home? ... ', 'Do the Down Payment Math. ... ', 'Browse Different Loans and Lenders.']
212244
["Using equity from your current home or the house you're buying.", '401(k) loan.', 'Cash-out refinance.', 'Getting a gift.', 'Put less than 20% down.', 'Sale-leaseback contingency.']
121114
["Line of credit. But not from the same bank you're getting your mortgage from.", 'Personal Loan. ... ', 'Credit card. ... ', 'Borrowing from a family member. ... ', 'Government programs.']
474641
['Refinance with a balance transfer credit card.', 'Consolidate with a personal loan.', 'Tap home equity.', 'Consider 401(k) savings.', 'Start a debt management plan.']
189162
['be able to afford the monthly fee and interest payments.', 'not own any other property or enter a part exchange deal on your old home.', 'not sublet or rent out the property after you buy it.']
666163
['1 . Start your home search with a pre-approval in hand. ... ', 'Shop around for a mortgage to find the best rates. ... ', 'If possible, opt for a 20% downpayment. ... ', 'Find a BMV Property to save on the purchase price. ... ', 'Improve your credit score. ... ', 'See if you apply for an incentive or HBP program. ... ', 'Use an experienced real estate broker.']
39467
['Save for the deposit.', 'Buy the house with a partner to divide the deposit.', 'Look for a house priced below its value.', 'Get a short term loan you can afford to pay back to raise the deposit.']
462689
['USDA Loans – Zero Down Payment.', 'VA Loans – Zero Down Payment.', 'Navy Federal Credit Union 100% Financing.', 'FHA Loans (100% Gift Funds or Downpayment Assistance)', 'FHA 203k Loans (Home Renovation Loan)', 'Conventional 97% LTV Mortgage (3% Down)', 'First-time homebuyer down-payment assistance programs.']