Credit and trying to buy a home.?
969637
Go to a mortgage broker, they are easier than banks and have a number of lending programs. Anyone can get an FHA mortgage 18 months out of bankruptcy, so I'm sure you can get a mortgage having not had any of these past issues! There may be a few things you need to touch up but I'm sure you can get a mortgage. You just have to know where to look....and don't take no for an answer.
579597
You can almost always get a home loan, no matter how low your score is.  The lower the score, however, the more expensive the loan will tend to be.\n\nHope this helps!
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.
56856
Good credit is very important in obtaining financing for real estate. Without knowing all the details, you are very much looking at two options: paying high interest on your home loan and/or putting up a lot of down up-front. Good luck!
1178730
My problem was different, I have excellent credit, but no income, but I still was able to buy a house.  \nSince you have credit issues, the better thing to do would be to shop around.  There are Mortgage Brokers who can help you.  There are literally hundreds of different mortgages.  The thing is that, you may pay a higher rate, since some rates are tied into your credit ratings. \nThe lesson here is to protect your credit.  I learned hard lessons in the past, but I am being rewarded now because I re-built & maintained my credit.   Good luck
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
415563
I have horrible credit myself and couldn't even get a credit card. However, I could buy a car at one of those buy here pay here places that does in house financing. I have the payment taken directly out of my checking account and I'm sure once I pay off my Cadillac, my credit will be somewhat ok. The interest rate sucks but it is well worth it to repair my credit. If I don't I will never be able to buy a home. Even try one of those rent a center places.
725338
Applying for a home loan isn't the problem. You can apply and get accepted rather easily.  The problem you will face is the interest rate.  The worse off your credit, the higher the interest rate.  Check around and don't take the first place that accepts you.
576019
I think you have a lot to take into consideration here. First and foremost you should know how your credit report looks if you have a spouse you'll need his too. You'll also need W2's from the last 2 years from your job,tax W2's will do, proof of income and earnest money to put down when you sign a contract at least but no more than $1,000.00. The most important thing to look at right now is the interest rates. The better your credit the better the rate you'll get. Please go to a local bank or other surrounding banks and see if they could lock in a low interest rate for you why you shop around. They don't have to know exactly when you're going to buy. When buying your home always ask the seller to pay for your down payment and closing costs. The way to do this is to give him or her close to the asking price when you bid and stipulate in the contract that they are to pay your down payment and closing costs. Usually if they are getting close to full asking price they'll take the offer because they were leaving room to come down anyway. When looking at homes don't show to much emotion especially if you really like a house because if you do they'll know you really want it and they may not be willing to negotiate with you. Showing a lack of interest while your in the home is always better, even though you're dying inside to make an offer. It'll be in your best interest to wait till you talk to the realtor if you choose that route to show your enthusiasm. You can always buy a forsale by owner home too! It's less complicated and easier all the way around. The seller will and should be the one to get the lawyer to handle everything. This is quite simple, because you can call the lawyer and see how everything is going to. They do the appraisal, title search, closing and anything else that needs recorded and done. Before you know it you'll be sitting in your new home. I'd start now so you have everything in order. The loan already approved is the most important thing of all. Ask some people who have mortgages with banks not mortgage companies for referrals. Mortgage Cos. have a lot of hidden fees that you have to pay where as a bank doesn't. Good Luck...Happy House Hunting.
941026
I suspect you want ball park idea rather than an exact quote.  As a rule figure 2.5 times your annual income is what you can get for a house, in your case lets say $135,000.\n\nYour credit score indicates you might want to aim lower to get financing, perhaps a small condo, then build score up.  The lower the credit score the more difficult it is to get financing and the higher the rates.  Building your score up doesn't take long, but does require effort.\n\nThese are just guesses, many variables come into play, but hope this helps a bit!\n\nCongrats on future new home!
828921
That has nothing to do with moving or a new job and everything to do with your credit score, check it out, you want to be above 700, the higher your score, the easier it will be for.you. You are entitled to one free per year, If it's not good, you need to work on getting that cleaned up, before you think about buying a home. Good luck.
1060639
What do you consider really bad? I'm a loan officer and I see people with credit in the high 500s get approved on loans for homes. if it is below about 620 or so you will probably have to come up with a 20%+ down payment though. There are a lot of companys that can help you improve your credit scores DRASTICLY in about 6mo to a year. It costs a little though. Also be very careful of "consumer debt counseling" they help you pay off all your debt faster by getting the companies you owe money to to settle on a lower amount, or "charge off" the balance. a charge off is what happens when a collector just says screw it we're never getting paid. Consumer debt counseling gets rid of your bills, but damages your credit worse than a Bankruptcy because it takes longer to repair the damage. I would contact a local Mortgage broker and see if they can prequalify you for a home. If they can't, ask for a recomendation for a good credit repair agency in your area. good luck!
1070480
That isn't going to be easy.  Most places do a credit check.  There are ways with good credit to buy with no money down.  An individual might sell you real estate that way, but it isn't a wise way to do business.
91568
Look on web sites for apts in ur location. Me and my b/f have had 2 apts w/ no credit. Just dont go for the fancy ones. Also call a realistate agent they can help too if u dont have credit.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
200993
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry
1069800
Put in refinance mortgage bad credit and see what you get.\n\n\nLC