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looking to move

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i own a home in wisconsin, im looking to move back to california, Ive got bad credit, looking for 5 bedroom with a swimming pool.

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November 09 - Palmdale

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Jay Thompson, "PhoenixRealEstateGuy"
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Jay Thompson, "PhoenixRealEstateGuy"

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Needapool -

Generally speaking, "bad credit" and "5 bedroom with a pool in Southern California" are a bad combination.

The "credit crisis" that's been occurring over the last couple of years pretty much excludes anyone with bad credit from getting a loan.

There may be other options such as a seller carryback (in effect, the home seller provides you the "mortgage"). They will want a significant down payment and will charge a high interest rate, with a possible balloon payment.

Speak to a lender. And a local real estate agent.

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November 09

Pamela Jahn, "Pamela Jahn"
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Pamela Jahn, "Pamela Jahn"

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I agree with Jay for the most part. Start by contacting a few lenders or a mortgage broker who works with several lenders to find out exactly where you stand. Good luck to you!

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November 09

DebtsNMesses
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needapool, I personally do not know anyone who moved back here and could afford to buy. I would recommend renting, working on your credit, and saving your money. I pulled my hubs credit up 150+ pts in 3-4 mos. It's easy to do when you are ready. You rotate 3 credit cards, paying each off 50% per month AND putting cash in the back for 100% of the purchases.

Month 1, $400 on cc1, $450 in savings

Month 2, cc1 pay $200, put $400 on cc2, $450 in savings

Month 3, cc1 paid off at $250, cc2 pay $200, put $400 on cc3, $450 in savings

Month 4, cc2 pay off $250, cc3 pay $200, check to see if cc1 is still paid off

Month 5, cc3 pay off $250, check to see if cc2 is still paid off

Month 6, check to see if cc2 is still paid off

Repeat proceedure until you go into escrow. You want to be debt free in escrow.

**The reason you want to recheck all the cards 1 month after pay off is because interest is posted at the end of the month, and you will probably get a few dollars put on the cards. By not checking, finance charges are added, and your credit score is lowered.

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