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can i purchase a home whit 30% down. fair credit .lo income. so calf

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November 04 - Lower Moreland Township

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Kathleen McKinney, "Kathy McKinney"
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Kathleen McKinney, "Kathy McKinney"

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Unfortunately, most of these loan options went away.

With 30 percent down you might want to look at owner financing options. With estates and motivated sellers being in competition with foreclosures right now, some of these sellers are willing to offer financing to get a fair price.

If you would like listings of owner financing properties in Montgomery County, let me know and I'll be glad to e-mail you all on the market in your price range.

Hope that helps.

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November 07

nealadler
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nealadler

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30% down is a great downpayment and lenders will probably be somewhat more lenient in qualifying criteria. Nonetheless you should contact a lender in your area to help you.

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November 05

wetdawgs
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"fair credit, low income" may be contributing factors on whether or not you can purchase.

Lenders will consider the 30% down favorable, but your credit score, income, assets etc all are contributing factors on whether or not you are able to get a mortgage

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November 04

Sanda O'Brien, "RealEstateSanda"
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Sanda O'Brien, "RealEstateSanda"

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jsue, 30% down is a great start. Many buyers don't have that much, and if they put down less than 20% they have to pay PMI. You need to contact a financial institution or a mortgage broker and ask to be pre-approved. It's free and with no obligations. They will look at income, assets, credit, and give you a letter that qualifies you for a certin loan.

But when you have a property where your offer was accepted and you're ready for a loan, the lender also needs to evaluatre that property, and see if it's agood investment for their money. They send an apraiser to look at it. That's the last step.

(pls click on the thumbs=up icon if this answer was helpful to any reader)

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November 04

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