Zillow Advice: Buying Process - What can I do to get a new ome? http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ Zillow Advice | Zillow Real Estate Your mother has has 10 years ... http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ Your mother has has 10 years to fix her credit and be able to refinance "her" home. She needs to step up to the plate and find a way to get it done. Period. I can not tell you how often I've heard this story since being in this industry. Although, they have usually also paid late enough times to ruin their child's credit too.&nbsp;<br/><br/>If after 10 years she hasn't improved her credit enough to buy, and she has no hope of ever doing so, &nbsp;she morally should consider selling.&nbsp;If it were my child, that is what I would do. <br/><br/>Because of the Dodd Frank Act, there is not a mortgage broker anywhere who can lend you more for a home to live in than you can prove you can pay for. The only &nbsp;other way you might work around this is to begin today RENTING that home to your mother and building a history of a landlord so that your landlord's income eventually&nbsp;offsets your debt to income ratios. This will also insure that no future payments are late without your knowledge. Maybe a lender or two will advise if that will help.&nbsp; Sat, 06 Oct 2012 13:54:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ 2012-10-06T13:54:00Z Can you refer a couple? ... http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ Can you refer a couple? PLEASE..... Sat, 06 Oct 2012 13:47:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ 2012-10-06T13:47:00Z Try a mortgage broker. They ... http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ Try a mortgage broker. They find lenders, and you pay them a fee. &nbsp;Good Luck! Sat, 06 Oct 2012 13:14:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-a-new-ome/462907/ 2012-10-06T13:14:00Z