where can we get a pre approvel for a home loan in ohio?with no down payment.?
482935
There are plenty of companies that offer 100, 103 and 107% loan options.  Lending Tree.com would be a start.
450035
The percentage amount that you put down changes your interest rate and (obviously) changes your loan amount. \n\nI wouldn't worry about PMI.  There are ways to avoid this other than putting 20% down.\n\nTalk to a mortgage broker you trust.  They will go over all of your different options and give you the facts you need to choose the one that's best for you.  If you're buying in Ohio, I'd be glad to help you out.
282483
Try getting a small signature loan through a credit union.  An unsecured loan has less stringent requirements for qualification.
865541
Yes you can. You will have to go with a non-conforming lender. There are a lot of lenders that will give you a mortgage one day out of BK. Depending on the lender you can get 90% to 100% financing. Your best chance of getting 100% financing is if you no lates for the last 12 months on your current mortgage or lease and no new negative credit since your BK. \n\nYou won't be able to know what your rate will be until you speak with a mortgage broker and he reviews your credit report. I work for a large non-conforming lender. With your scores and no new negative credit, you should be able to get a 7% to 8% interest rate being a year out of BK, which isn't bad. If you are planning on moving soon, I would go ahead and call a mortgage broker in your area and get the ball rolling. You just need to find a broker that is licensed to do business in Texas, which shouldn't be a problem. Many brokers are licensed to do loans in many different states now. Look in your yellow pages for morgage brokers or mortgage loans. You will probably see many that work with people who have credit problems. Find one that you can work one on one with as opposed to trying to do your mortgage on line.You won't get the kind of service you need trying to do your mortgage on line.\n\nPlease don't believe it when people tell you that you can't get a mortgage because of your BK or that you will have to have a huge down payment, because that just isn't true. There are tons of programs for people with bad credit. If you can't get a clear 100% loan, there are 80/20 combo loans and all kinds of different programs. Just make sure to pay all of your payments on time and don't go out and make a big purchase, like a car, before you get your mortgage.\n\nIf the first broker you talk to doesn't sound like he can help you, don't be afraid to call several. Just remember you are looking for one that works with less then perfect credit. They are a dime a dozen now a days, so it shouldn't be a problem.\n\nYou can get a mortgage!!! Good luck!!!
218095
You don't need a downpayment.  Most banks offer loans for people that make less than $50k/year.  I know that Fifth Third Bank has a loan called the Good Neighbor loan.  There's no down payment and no PMI required.  Check it out at www.53.com.
1081087
You should check out Brian Sacks' Website at:\nhttp://www.loanofficersuccess.com
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.
22006
The first answer is good, but too confusing.  Everything depends on YOUR score and how much MONEY you are willing to spend. BUYER BEWARE !!!Promises are made to be broken.  You should get a FREE pre-approval from a Mortgage Broker.  There are literally hundreds of lenders that provide zero down financing so you won't have trouble finding someone to get you approved.  Since you are a physician, get the following stuff ready for the loan officer.  If you have a practice, you will need at least 12 months worth of your BUSINESS bank statements and 2-years of business licenses.  If you work as part of a staff, you will need to prove that you now have a job and that you graduated and are working in the field of your major.  Don't get too bogged down on "Competitive"...there's no such thing as a free lunch.  Trust me, you want to pay your own closing costs because that means a lower interest rate. In most cases, the seller should pay ALL of your closing costs for YOU, make sure you ask!  Another caveat, zero down means no PMI, but the interest rate (APR) is usually 1.5% higher than those advertised > 6% even with credit scores in the high 600s and 700s.  But look at the bright side, the interest is tax deductible....Private Mortgage Insurance isn't.  Good Luck!!!
468978
Check out Prosper.com   It is a really neat website to get small unsecured loans.\n\nIf it has anything to do with real estate, email me and I will send you my groups contact information.   matt@eastbaylending.com
630661
You can look for houses on any mortgage lender or estate agent online. I hope you don't mean getting a free house. You won't do that!
984173
Sounds like a prepaid credit card may be the way for you to go... \n\nHere is a link to one that says "No credit or bad credit OK, NO credit check required, No employment required"\n\nhttp://www.fastcreditcardoffer.com/credit-card-search/credit-rating/bad-credit-no-credit/default.aspx\n\nGood luck.\n\n.
10570
Try Regional Mortgages.\nhttp://www.regionalmortgages.com
251102
Try going to a realtor and asking about places that can help you with a low interest loan for your home. They often know of programs that you could be eligible for. <*)))><
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!
54759
Teacher Next Door is not a grant, but a program by HUD where you can purchase properties half price.  They're usually in not the greatest areas, but they do allow you to pick up a property pretty cheap.\n\nThere are programs that let you get in for little or no down payment.  It would take a lender going over your particular situation.\n\nI'm a Realtor in the DFW market.  I'm available at rodbaker@fwrealtor.com.  If you need someone for another part of the state, let me know and I can get you someone to help walk you through the process. \n\nGood luck!
1118630
Ask youself, do I want a mortgage if I do not have a job lined up?  I would assume the move is related to a new job.  If so, you will not have nay issues getting a loan.  I can get someone financed with no money in the bank, no job, if they have a 680 credit score.  No Doc loan are available if you have good credit and some money to put down.
1034819
There are three types of foreclosures and it depends on which you are interested.  \n\nPre-foreclosure: when a house is in foreclosure, but the title is still in the current residents.  No one really has a list of these properties, but it is public information.  Anytime a lawsuit is filed, it needs to be printed in some sort of publication.  a foreclosure is a civil lawsuit.  Contact your county clerk of courts and ask them what newspaper they report all their filings to.  Subscribe to this publication and you will be notified on day 1 foreclosure is started.\n\nsome individuals claim that banks will let them know about foreclosed properties ahead of time so they can try and negotiate with the current owner.  If the bank notifies someone, it is a violation of their privacy and gramm leigh bliley act.  I do not doubt it is done, but be careful.\n\nThe entire topic of short sales is being left out since that is not what you asked and is a long answer.  I think you were looking specifically for options 2 and 3\n\nActual Foreclosure:  The sheriff is auctioning off the property in the next coming weeks as a conclusion of the pre-foreclosure lawsuit.  Every county is different in who does the auctioning, but here it is the sheriff.  Again, your local clerk of courts can help you.  Normally, you need to bring a down payment in cashier's check and close very quickly.  Usually, there is not enough time to get a loan if it is not done already.  Clerk of courts/sheriff, whoever is doing the selling usually carries a list of what is being auctioned.\n\nAfter foreclosure, bank owned property (REO) - many banks simply give these listings to realtors.  Contact a local realtor who deals with bank owned to email you a list on a daily basis as they become available.  Not any realtor can help you with this, be specific that you want bank owned properties and someone who deals with them.\n\nIf you are in the Ohio area, I can help you, if not, feel free to ask more questions directly\n\nAngelo Russo, Esq\nTitle Plus Services, LLC\nwww.titleplusservices.com\narusso@titleplusservices.com\n21380 Lorain Ave\nFairview Park, OH 44126\n440-895-0870