Zillow allows FSBO's but to the best of my knowledge not here on Trulia. If your home is listed here with an agent, only the agent can make any alterations and to do so he/she has to be a paying subscriber to Trulia to do so. Check with your listing agent if you have one and if not, may I suggest you enlist the services of a Realtor to help you with your sale.... more
Any private loan vetters around?I have a horrible credit score that I am repairing, but it will be a couple years before I am in a place to get bank financing, so I am a "risk" for a housing loan. But my rental history
I think a 203b loan is for new or existing. If you want to build, you need a construction-to-permanent-financing loan. You could call Washington Federal to see what they think about an owner-builder loan.
It looks like you might qualify for a total house payment around $1,000/month (unless you don't have ANY other scheduled monthly debt that shows up on a credit report). Total debt-to-income ratio for approval is 41-42%, typically. So, the house you buy or after-built price, depending on whether you are in a high property tax area, would be $125-150,000. That cost would include the lot, the city/county's systems development charges, plans, etc., and be a finished, move-in-ready home.
You might also want to contact Highline Homes, Adair Homes, or Reality Homes for package, stick-built homes.
There may be a 680 score limit on some lending programs, as well.
I also have a bank that has money available to help with loan down payment, closing costs, prepaids, etc.
Let me know if you need more information. Call me anytime 503-580-2941.... more