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Trying to get financing or rent to own

Hre's the problem, my husband has a great job and was just transferred to Massachusetts. His credit is toast because of a non so civil divorce.  I have excellent credit, but no job when I get to Massachusetts.  How the heck do we get financing to get a home.  We are looking at no more than $100,000 and have 5000. to put down.  It feels like a hopless situation.  Renting is also a problem. We have a dog.  Do you know how many place will not allow pets!?!
At wits end.

Sherry
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May 08 2012 - Aurora
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Answers (4)

A lease option would seem to be a good route for you to go.  Getting finance is probably not going to happen until you settle start working (and you will only be able to use your income since your husband has pour credit).  If you are willing to put option money down, some owners of rental properties may be more flexible with your pet.  Best of luck.
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May 12 2012
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Andrew, I had a real estate agent  and a broker and they both said no way.  They both have since stopped working with us since there was nothing that they could do.  Guess I'll try to find someone else.  Thanks for your information.

Sherry
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May 12 2012
Hire a mortgage broker and a buyers agent.  These professionals can help you find out what you qualify for and guide you through the buying process, and it doesn't cost you a thing.  The mortgage broker is paid in points on the loan, and you will pay this anyways.  The buyers agent is paid out of the sellers commission.  There are quite a few loan options out there and the mortgage broker can help you navigate them.  A Real Estate agent can even help you find available REO properties in your area and guide you through the process.  Working together, these two professionals can assist you in finding the perfect home for your family!
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May 11 2012
I would call a USDA office and speak with them regarding this. if you had a job set up already there thats in the same line of work as you are currently in then they will use that job as your work history usually.
Rachel
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May 08 2012
 
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