How can I , a black women with poor credit in fort worth texas purchase a new home with assistance?
150905
My best advice would be to start by opening a new credit line.  Paying your bills on time and saving as much as you can.  Credit can be a bummer when it comes to buying a home.  Good luck!
484080
Two ways.  1) start with local lenders.  They usually have in house first time homebuyer mortgage products offered to the low to mod income homebuyer unless you purchase in a targeted neighborhood and then there are usually no income limits.  Typical program is low down payment, allows grant usage and may give assistance or a loan for closing costs.  2)Contact a local housing counseling agency.  For a list of agencies go to www.hud.gov.  \nThey offer housing counseling (so you know what you're doing) and may have down payment assistance or direct you where you can apply.
919960
The Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm\n\n"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."\n\nI suggest you check out non profits, who are the recipients of most housing grants. Check out Habitat for Humanity. Also visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders http://www.getdownpayment.com/\n\nIt is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html\n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs
1112853
Yes, I would.  Contact your local Housing Authority to look for housing assistance.
851181
banks are not the place to go to if you have bad credit; you'll need to talk to a broker or retailer in the area of financing you desire.\n\nWhat do you want?  A house, a car, a loan, a student loan?  Etc....\n\nThere are varing degrees of bad credit.  The easiest to do is talk to a mortgage broker, as their credit terms will be most generous (to buy a house).  Do this even if you don't want a house, as you'll get an honest assesment of your credit this way.\n\nIf they can't help you, you need to talk to a credit counseler to rebuild.  You'll need to wait a couple years for results.
561480
A lot of places offer free "weatherization" repairs to the low income and others offer home improvement loans at low or no interest.  Check with your city's Housing Department.
174203
contact the housing authority or your local mayors office...tell them you need help...also check into emergency housing and the qualifications for that......someone out there will be able to help u
90159
If you have no credit, its almost like having bad credit. Nobody will want to finance you because you have no history. Your best bet would be to go for a HUD home. They will build a home for you or give you a standing home in good condition and they will work out a payment that meets your budget. It was designed for people in simaler postitions. There is also Section 8 houseing that you can look into. There are probably waiting lists for them. Other than that you could get a realitor to point you in the right direction.
691723
1.  Contact local real estate agents.\n2.  Advertise in the classifieds.\n\nBe careful.  If you miss a payment, the owner of the property can evict you and keep all the money you have paid them.  Traditionally, contract for deed sellers have victiimized poor persons by offering them land very cheap through a contract for deed.  The poor person, usualy an immigrant, "buys" through a contract for deed and builds a house on the property.  If the buyer misses one payment or is late, the seller evicts and the sell resells the house and land to someone else for more money.  Since the buyer doesn't actually own the property in a contract for deed sale, it is actually like renting to buy.\n\nThese types of sales have been used to victimize immigrants in South Texas.
653539
You can go to suzeorman.com There are a few things under the resources links.  I bought her book "The Money Book for the Young, Fabulous & Broke"\n and it's great. there was a whole section on buying a home.  good tips
526720
If your a minority woman there are a ton of scholarships so I'd go that route first. Check out www.studentaid.gov there has to be some financial aid you can get. Are you working? Is your credit good? You should also try the banks. Peace and good luck! \n\nVin
50427
Find out what area you want to live in. Then hope in your car and drive around the area. Look for signs in front of houses. \n\nAgents are a dime a dozen. If you chose one ask for recent referrals. Also go with one that is an area specialist.\n\nThere might be some that are for sale by owner. That person is trying to save money.\n\nIf you need a loan send an email my way. My husband can answer all your loan questions.\n\nGOOD LUCK.
695916
Some of your question depends on whether you have some special circumstances, but you don't mention any in the question.  Here are some things to do:\n\n1.  Go to your lender and explain the situation, and try to come up with a payment plan you can live with.  The lender doesn't want to foreclose unless it has to, especially in a down housing market like we have now.  But if you have not been in touch with them, they have no idea whether you are trying your best to get current or whether you are just a deadbeat.  So, go and meet with the bank or lender.\n\n2.  Find a credit counselor.  NOT a commercial service that charges a fee:  Those are complete rip-offs.  You want a non-profit credit counseling service run by lenders.  They can help mediate for you and can often work out a payment schedule like I described above.\n\n3.  If you are too far behind, see if you can sell your house.  It is much better to sell and start over with a clean slate than it is to lose the house in a foreclosure.  Then your credit will be ruined.  But a sale is just a sale.  Depending on how long you have been in the house and how much equity you have, you might even walk away with some money in your pocket.  Talk to a real estate agent TODAY about how much your house might sell for.\n\n4.  If worst comes to worst, think about whether you have friends or relatives who could buy the house (either now or at foreclosure) and then resell it.  This can work two ways.  If you are in a temporarily down market but the house and the neighborhood are basically good, then they can buy the house and sell it to an outsider without the pressure of a foreclosure hanging over everyone's head.  Otherwise--and this is true right up through the foreclosure itself--they may be able to buy it and then re-sell it to you; they would essentially become your lender.  And it doesn't have to be one friend.  If you have 5 or 6 friends or family members who can buy it together, it will work the same way.\n\nYou are in a tough situation, but there is hope if you act fast.  Good luck!!
590636
Try military banks. first go to your financial office on the base and ask them if they have a way to help (they can secure a loan or set you up for one), or try calling bank of America military branch in San Antonio Texas. \n\nI am not going to ask or bring up probably why you only made $76, but if you go to finance and they do help, they might require you to take some finance course to help you budget and avoid pitfalls.
54604
Your credit score isn't all that bad considering the national averages.\n\nHowever, you have some other options besides outright purchasing a home for sale:\n\n1. Lease Option or Rent-to-Own: Look for these advertised in the classifieds, that allow you to rent a house for a certain term (like 1 to 3 years), where some or all of your rent goes toward the purchase price. Then, when you're ready (you should repair your credit during this time), you can purchase the house. Part of your down payment will already have been paid.\n\n2. Talk to the Fair Housing Administration (FHA - http://www.fha.gov) about HUD loans for low-income and not-so-good-credit individuals.\n\n3. Look into purchasing a foreclosed home at an auction.\n\n4. Ask a close friend or family member with good credit to co-sign your mortgage.\n\n5. See if anyone is advertising "seller financing" or "owner financing", in which the seller will allow you to make mortgage payments directly to them.\n\n-----------------\nUpdate: DO NOT apply for an interest-only loan. You will be severely hit with a balloon payment down the line, or higher payments, or at the very least you'll have to refinance and pay additional closing costs. Interest rates are rising, and you won't want to do that. Stay away from these!
174627
look into the hud programs:\n\nhttp://www.hud.gov/\n\nIn the at your service section there is section 8 for renting and buying a hud home and hud approved lenders.\n\nIf you don't have ajob then you won't be able to buy a place, if you do then you might be able to get a place for cheap.\n\nIf you can get a place that needs work start going to a large church and ask the pastor if there are any people in the church willing to come help fix it up and you can get your own "habitat for humanity" crew.
89292
try contacting one of the three major credit bureaus, call a mortage company for the numbers.