we have bad credit is there anyplace to help us buy a home?
400434
Actually some say that filing bancruptcy is better than having bad credit. Alot of companies will give you loans because you can't file bancruptcy for another 7 years so you will have to pay the load or they will be able to take owned possessions from you.
330272
Its not easy buying a home with bad credit. Its not easy buying a home with good credit now adays. I say, go through a credit builder and discuss your debt with them. It might take some months or even some years until you get your credit straight before you buy a home.  If you have bad credit now, the house is just gonna make it worse if you don't pay your notes and bills.
821003
Any bank or convient store can help...
75722
Poor credit, how poor.  A low FICO does not always mean rejection form a lender.  I work with over 150 now.  Write me an email and we can talk options if you would like a professional opinion.  \n\nYes you can buy a home it simply depends on what home and how much it will cost to acquire.\n\nI'm assisting a buyer now who has a 576 middle FICO buy a $575,000 home now.
173014
Yes, there are several credit card issuers that will approve you for a card if you have bad credit.  There may be some up front fees or you may pay a higher interest rate since you pose greater risk, but at least there are options.  Check out the bad credit section at CreditCards.com (http://www.creditcards.com/badcredit.php)
841481
All states, including Texas, offer a government sponsored first time home buyer program directed towards lower income buyers.  The buyer (or better yet ... the borrower) definitely needs to be a citizen.  If your credit is a mess, they usually offer credit counseling as a free service.  These government programs usually include down payment assistance in the form of a forgivable deferred loan (a loan you never have to pay back that goes away over a small number of years), which is much like a grant as long as you don't buy and sell your house fast.  Some states offer special interest rates too.  It usually works out to be a better than average deal if you can qualify.  I found the program for Texas in the link below.  Good luck!
789047
Contact fannie mae (www.efanniemae.com)  they have recently added some programs for their MyCommunityMortgage thing that is meant to help people like yall.  I work at a mortgage company and we have been able to get people in homes when they had bad/nocredit no savings no down payment no assests. Youd be surprised what you can get if you go through the right lender. good luck!!!
572656
Here is another resource:\n\nwww.naca.com\n\nThey are a non-profit housing advocacy group. They do their own financing, will work with you to get your credit back on track and they also work with banks.  They do fixed rate loans.  Check them out.  If you have bad credit your terms with a lender aren't going to be that great.  NACA isn't about profit, they are about getting people into houses.  They got their money by taking on Fleet Bank for predatory lending and they won.  Now they use that money to help others get into homes.  Good luck!
606524
Amazingly, I dom't think there is one.\n\nI would contact them directly and ask them how to purchase credit. There must be a way as they have a table of pricing!
219834
try houses seized by government auctions, they may have some fixing up to do, but I'm sure it would be way cheaper than buying a new one (especially on a loan)
454863
Only way you could hope for a loan is from family. You really need to get your credit back on track and keep it that way. Get a credit card or something that will allow you a small monthly payment and keep it up and that way your credit gets back up. Although I know with your bad credit right now most lenders will not want to loan to you and you may be able to find a credit card company that will..Good Luck Nicky
495798
contact www.naca.com\n\nThey are a non-profit housing advocacy group and they either finance their own mortgages or work with big lenders such as Bank of America.  They will work with you to improve your credit also.
724962
Their are all kinds of companies out there to help you. The only bad thing about them is they charge you a very high rate . Look on the Internet for: Amazon.com,  United Credit Help  Or the best ,  Quicken Loans. They  charge a higher rate ,but they work with people who have NO credit or very BAD credit. I wish you the very best of luck & I hope this helps..
212006
Most complexes run one but some don't count medical.If it's a past landlord try to make it right with them.Check your credit and see what is holding you back.You might be able to pay the first 6 mos. or so to get past it.Tell the office up front that you have bad credit and see if they offer advice.Ask if you have a co-signer if it would help.Try a private owner.Ask your current landlord for a reference letter.Call the housing commission in your area.There is usually one place that will help you out but make sure you appreciate it.  Good Luck!
535276
www.naca.com\n\nThey are a non-profit housing advocacy group. They do their own financing, will work with you to get your credit back on track and they also work with banks.  They do fixed rate loans.  Check them out.  If you have bad credit your terms with a lender aren't going to be that great.  NACA isn't about profit, they are about getting people into houses.  They got their money by taking on Fleet Bank for predatory lending and they won.  Now they use that money to help others get into homes.  Good luck!
24797
Yes, no and maybe.  Nicer places will not look favorably on your credit.  Others may require a cosignor or a larger deposit.  In any case be up front and honest about your situation and ask for help.  Anyplace that doesn't want some form of guarantee might not be a good place to live.  If you live at home, I would suggest you stay there and work on improving your credit.  It's a poor excuse to fail to pay your credit accounts when you have no living expenses.
37858
Most financial institutions these days have what they call "second chance" loans especially for those who have bankruptcy on their credit. If thats the only blemish on your hurt credit report then chances are they may be able to help. It is at a much higher interest rate but it is worth it to rebuild your credit and oh ya, by the way here is a tip for ya. If and when you do get a loan, pay the payments and take a long time to pay them off.\nYou see, the issue here is not that you paid in full but that you can show a good and faithful payment history. If they begin to see faithfull payments regularly then it out does the bankrupsy. most people make the mistake of paying something off too early and it shows a lack of payment history. So the best thing to do is stretch those payments out as long as possible so you can develope and good long payment history. It'l help especially if you ever go to buy a home.