What can I do to get more (or better) quotes for my loan request ZR-BTRPPYLWe have a nice house that the original owner gave us a lease with option to buy contract. We have been paying his mortgage payments on the house for 3yrs now, and when we first moved in we put $5,000 dn. The payments are $2100 a mo. with taxes,ins and etc. included and we have paid ON Time for the past 3yrs. The owner wants us to do a loan assumption with the bank (BOA) which the original loan was Country Wide. The current balance on this house is $202,000. The original amount borrowed to build the house by our "landlord" was $259.000. That was only 5 1/2 yrs ago, so house is still very new. We had the property appraised last year and its appr. value was $264,000. My question is what options do me and my wife have besides the loan assumption option. My credit sucks! but my wife's is around a 6 or 620, we make a combined annual income of $75K a year with only my student loans of $160 a mo.and auto loans totalling $740 a mo. We would like a cheaper or reduced payment since rates are down. We have no credit cards. What would you suggest for us to do?Please help!July 19 2012 - Quitman00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.