are there any progams to help a single mom buy her first home?
456424
It all depends on income and credit. There are programs that can help. Fanny Mae Foundation created a lot of opportunities for all sorts of issues. Also Farm Home Association is helpful.
926918
Try to work on repairing your credit. If you go apply for a home loan they will tell you what you need to do to get your credit repaired. A good size down payment will also help when you go to buy a home. There are programs to help first time homeowners through FHA and HUD. It will take money and time to buy a home but it can be done with the right mortgage company.
543593
There are many programs available for first time homebuyers.  I closed on my first house for $300 out of pocket.  The county made my downpayment for me.  Talk to a Realtor.  He/she will be able to tell you what programs are available in your area.
124219
Just start calling  local real estate agents.   Most will be a little reluctant at first because most agents already have loan officers they prefer.  Take the approach that you want to help them with their open house.  Offer to bring fresh baked cookies to the open house, then once you’re there offer to go get lunch for the both of you.  I know this sounds like a lot of hoops to jump thru, but remember you have to sell your self to the agent if you want them to send business your way.  \nI wish you the best of luck.
385411
the government offers some help with down payments for first time buyers. there may be some criteria though. may be worth checking into.
58925
You can try apartments.com, or a local realtor if you need personal assistance.
617097
Tough one...BUT maybe you should try to get two smaller houses or even two apartments in good areas? That way you and your family would be in a good neighborhood but also you'd be able to help your mother.. because if you buy a house for your family only, no matter how good the neighborhood is you would always feel guilty for not helping your mom too... So, talk and figure out a way to help both of you! There has to be a solution. Maybe it would be smaller but in the end you would be happy.
1035480
There is a lot of financial aid and scholarships for single mothers entering college. You could ask people who work at the University or you could look online.
798902
have you considered buying.. if this is the going price for what you are looking for, in your area, then you could probably buy a home.. besides there are many 1st timer gov money (lot free $). programs you can web search or check with a realtor... i have no problem in paying a realtor their commission they work hard for it you too may want to talk with one ( i suggest using a well established firm.\n\ni would suggest that you check for the sellers list, owners  where you shop ect (network your desire to buy a home )
1112881
yes you can go to welfare and ask them what to do you. they will help you find a house that is affordable to you get food stamps if you need them and cash if you need that and they also have other resources that you can ask them about.
856834
The problem is that, unless she's disabled, her income is probably not going to be high enough to allow her to purchase a home.  If she and her son-to-be-exhusband owned a home, she might be able to use her share of the equity from that home to purchase a place to live, if there is enough equity, depending upon the terms of the divorce..  \n\nShe could look into low-income rentals, known as Section 8.  Unfortunately, she doesn't have young children living with her and she's not yet elderly, so she may not qualify for that either. \n\nHer best bet would be to contact the local welfare office and ask them for any assistance or leads that they can provide for low-income housing.\n\nGood luck!
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.
598578
Being there a innumerable ways to begin establishing your credit and to buy a house with no credit established, I will offer you a couple ideas for both.\n1.The best way to purchase yourself a house with no established credit is either from an owner financed, lease to buy, or first time buyers program.Many people now are selling their own homes or purchasing homes and selling them as investment realty properties.Look in your local newspaper real estate section and contact owner financed offers,in these cases the owners carry the note and generally only want a down payment, and proof of income.Lease to buy offers you the opportunity to purchase by making lease payments to the owner and then deed the property in your name when the purchase price has been paid,in this case make sure lease payments are credited to the purchase price in the event you come into some money at some point and want to pay the full balance before the lease is up,bare in mind the lease option will have a shorter term.The FHA and VA offer first time buyer programs and many homes qualify, you can only use the first time buyer FHA once, to use this method contact a realty agent and tell them you are a first time buyer and want to go with a FHA qualified property , usually only proof of stable income and job history is needed as the government is trying to bolster the economy and help people buy a home.Department of HUD in your state is a great place to look for value properties that qualify for FHA loans.\n2.Establishing credit is not near as difficult as it once was,you of course must be over 18.Department store cards like Jc Penney, Sears, Dillard's, ect, are the easiest to get,many banks like orchard and household,and capitol one offer low limit starter cards too (visa & mc).Buying a car and making 6 -12 consecutive payments works well too.The best way is credit cards of any type that are unsecured,secured cards don't mean a thing.Be prepared to maybe pay a little higher interest rates or get lower limits to start with but that will immprove as you make payments.Be sure to make payments on time and at least minimum.Try to pay the balance every month, and never let your balance exceed 50% of your limit.You can also get loans at smaller loan companies like beneficial,american general and such if you have a car or something you can use as collateral,and then make your payments.The important thing is get them reporting good stuff about you to the credit bureaus.Remember your just trying to get in the game and as you build your credit history and score better rates and offers will start coming to you in the mail.Of course you must have a job or proof of income and stable history of at least 6 months to a year to do any of these things we've talked about.There are some ways around this but thats a little to creative to condense into a short yahoo answer.Good luck and try a few of these things they will work for you , we have all been there.
667306
Why not actually move into one of the units.  Then you are completely above board (though the *wink*wink* will probably work ok too).  \n\nAs to how to do it, there is no best answer, it depends on your situation.  \n\nThe route I would follow is, find out first off how much money you will need.  Be sure to budget for closing costs, fixup, etc; and be sure to ask several banks/ brokers to get the best number.  \n\nNow, just figure out how you can get that money at the cheapest cost to you.  If you have the money, great.  If you can take out a 2nd cheaply and get it, do that.  If you need to refinance, do it.  I'd make sure I had the money (or at least a plan for how I would get it) before putting down a contract though thats not required.  Of course make sure the contract has a financing contingency, and a general contingency it the seller will allow it (a general contingency like "contract is contingent upon approval of spouse" - if you get this is there are decide later you don't want the place, shouldn't be to hard to have the spousal contingency fail).\n\nI guess the easiest way to put this is, figure out exactly what you want (a 2nd 2 family), exactly what you will need to get it (x dollars, plus y hours of time, etc) and then do whatever you need to do to reach your goal with the minimum cost and time loss to you.  I realize this is a general statement but without knowing more about you I can't make it more specific.\n\nAlso, I always hated even bending the law even in the really minor way you describe (though I did it a few times) fearing it would come back to haunt me someday.  I got lucky and it never really did hurt me much, and now I'm totally above board.  I'm not suggesting you not do the *wink*wink*, just that you avoid that as much as possible.\n\nBest luck.  Also, by the way, there was an extremely active foreclosure specialist in my area who just got caught with something like 120 properities in her name, all of which she had bought as an owner-occupant.  I guess if she can get away with it 119 times (plus the 100's she sold over the years), you can get away with it once.
573512
Wow, some interesting responses. \n\nHome mortgages are complicated, it is sometimes easier to buy a house than a $2,000 car on credit. \n\nFirst you need to realize that in order to buy a home with a mortgage loan there are really two approvals that need to take place, 1. Your Personal Financial Picture 2. The Property. There are many lenders that will give you an approval based upon just a few minute talk on the phone... but truthfully that is not an approval, but a pre-qualification. It means nothing without aplying that info to a peticular loan and that also means finding a property. \n\nThere are many loan options out there that allow little or no downpayment to be made. FHA loans do allow a small down payment amount of just under 3%, but FHA limits are going to be lower than 700,000 unless you live in a REALLY expensive area, and even then I doubt they would go that high (FHA Limits are different from county to county nationwide, though usually less than $300,000 unless it is a multi family home.) FHA loans do allow gifts from Non-profit groups, family members etc to pay the downpayment. But that is really the exception, not to say it is the only loan option available there are still others. \n\nBut getting 100% loan is often much easier. There are many ways to do that and they don't all cost an arm and a leg. \nYou can find a 1 loan 100%, 2 loans 80% plus 20% (this allows you not to pay mortgage insurance). There are however other loans that don't ask where you got your down payment and companies willing to give you that money to help you close (all to receive a fee from the seller for doing it) Contact me and I can help you.\n\nBest of luck to you!
393362
You could call a local realtor. They would probably know, if not they could direct you within your community.
712575
try HEAP for aid for heating bills,go to social services department at your downtown county building or look in the blue pages of your phone book. \n  My sister formerly used such services,as she was and still is a single mother with 3 children and has used assistance for milk,cheese,etc..cannot remember the service she used.\n  Your income is your qualifier,I don't think that child support is included as income,at least it is not used as income for tax purposes.\n  Children will eat you out of house and home,if you don't apply for something,and i am sure you cannot depend on your own business with the economical fluctuations which can be cyclical. \n  Good luck..no one should have to choose between money for food and/or rent or clothes on your back.\n  Also make sure you apply for the school lunch program for your children to receive free or reduced lunches depending..again on your income.\n  I used to live in New York and grew up there,my own mother was a single mom,and I remember receiving reduced lunches at school..although I remember selling my lunch tokens for cash..lol.\n  please ignore all the snobbish comments from Rich bratty Republicans who don't know what it is like to have to struggle to make ends meet.