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Answers (11)
- Greg johnson, "Private money"
- Contributions:3
Please contact me. I am sure we can find the right home for you below what you are paying currently. We do owner financing in Georgia right now and be in FL soon.
- Randy_H
- Contributions:4390
If you ask me, this question was made by someone to see how low the lowest agents would go to grift a deal.
From the responses, it appears,
Agents: 2 / 2 say buy, preferably through them.
Lenders: 1 / 1 blindly spams
Confirmed Lenders: 0 / 2 say to buy. Both warn to actually save some money first.
A microcosm of what's wrong with the industry, I'd say.
From the responses, it appears,
Agents: 2 / 2 say buy, preferably through them.
Lenders: 1 / 1 blindly spams
Confirmed Lenders: 0 / 2 say to buy. Both warn to actually save some money first.
A microcosm of what's wrong with the industry, I'd say.
- TIMOTHY J. Hollingsworth, "PQLTIM"
- Contributions:3
The first thing you need to do is repair your credit. The second thing you need to do to save 3.5% plus another 3% for closing costs. If you need help with repairing your credit you back an e-mail, and I will guide you in the right direction
- Tameko
- Contributions:31
The best thing to do is fix work credit while shopping for a home so you can be prepared, because it takes awhile for things to move nowadays, I hope this helps.
- Ofe Polack, "opolack"
- Contributions:6
I do not know where you are searching for a home but USDA-rural developement offers $0 down opportunities for those who qualify and they are very forgiving. Please, let me know in what city in NH are you interested and I will let you know if it is a USDA eligible area.
- Laura Scaccia, "laurascaccia"
- Contributions:42
First, I am assuming you are in Manchester, NH. If so, contact a mortgage broker, ask specifically about FHA and NH Rural Housing. Ideally you should have enough saved to put a 3.5% downpayment (could be less depending on your credit scores). If your credit score is 600 or better, you may qualify for an FHA loan.
- Greg johnson, "Private money"
- Contributions:3
We are a private mortgage lender.We lend in Georgia, are you a resident of Ga.Please let me know, my email lordgj@bellsouth.net.
Thank you, Greg johnson
Thank you, Greg johnson
- cvoc13
- Contributions:70
You should not get a loan, if your score is poor there is a reason, and there will be plenty more reasons, I see by yer wr-iting... Did you have TV show? Bev... Hill.... something... or another? How much down can you put? 30% so as soon as you can put down 30% I would think you would have at least proven you can manage a budget. I am thinking you don't, nor do I... so I am not any better and that is not what I am saying, I am in same camp, I am not asking for a loan however and I never will.
- sunnyview
- Contributions:24050
You might try the calculators here like the how much can I afford and the credit score estimator. They might give you some idea if buying now would be an attainable goal or if you need to save up some for a down payment first. Ownership costs include more than the mortgage payment and things like taxes, insurance and maintenance have to be included in your budget up front so you will be able to comfortably afford what you buy. Do some research, talk to the lenders on the board and then you will have a better idea of what step you need to take to get on the road to ownership if that's what you want.
- Pasadenan
- Contributions:20365
My opinion is ANYONE can get a loan, if: 1) they put up enough colateral or have their paychecks and social security payments automatically deducted, AND 2) they pay "USERY" interest rates (and late penalties) to account for their habit of walking away from loan obligations and their habit of always being late on their rent payments, utility payments, etc.
But the best way to find out is to apply for the loans and see what various lenders' actual response is...
You can try the "mortgage instant quotes", or you can post in the "morgtage" section of the discussion board since many lenders hang out there.
But really, you have not factored in 1) Maintenance, 2) Insurances, 3) Property taxes. Even if you could buy for $990 per month payments, it will still cost you substantually more than renting!
You didn't state what your son's social security benifit is, thus it is not clear what your total household income is, but it sound like it is about $3.6k per month, which may be sufficient for a $990 payment, but will depend substantually on existing debt obligations.
And what do you plan to do for "down payment" and "closing costs"? Have you built up some savings to cover these?
But the best way to find out is to apply for the loans and see what various lenders' actual response is...
You can try the "mortgage instant quotes", or you can post in the "morgtage" section of the discussion board since many lenders hang out there.
But really, you have not factored in 1) Maintenance, 2) Insurances, 3) Property taxes. Even if you could buy for $990 per month payments, it will still cost you substantually more than renting!
You didn't state what your son's social security benifit is, thus it is not clear what your total household income is, but it sound like it is about $3.6k per month, which may be sufficient for a $990 payment, but will depend substantually on existing debt obligations.
And what do you plan to do for "down payment" and "closing costs"? Have you built up some savings to cover these?
I get SSI 1,212. and my boyfriend works 40hrw $9.hr,poor credit,1st timebuyer can we get a loan?
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