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There are many. In North Carolina you are likely to enter into a Lease with Option to Purchase. This means you are setting a sale price today, putting a down payment, and then you are leasing the property.
This is a LEASE. First and foremost. With a possibility of your getting a loan to purchase the property later.
So what is it that's keeping you from Purchasing now? Because you have to make sure that you can correct any barriers you currently have in time to qualify for your mortgage to purchase the property under the terms of the Option to Purchase.
You should hire an experienced Realtor who has handled these types of transactions who can help explain your options and help review any paperwork the seller may want you to sign. If you need a referral, feel free to click my profile to contact me.
FHA Financing is not strictly credit-score driven. It is on-time payment driven. So you should probably put in a loan application even if you're afraid of being turned down. Then you will know what you need to correct in order to qualify for your mortgage later. This would be step one BEFORE you sign anything else. A Realtor can help you through this process.
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For Sale: $365,000
For Sale: $385,000
For Sale: $20,000