I am an agent at Coldwell Banker Alfonso Realty and we have a mortgage department. Coldwell Banker Mortgage is working with a credit score of 580. If you are interested in making an appointment, we can guide you in the right direction. 228-341-0774

In today's buyer's market you have many options. My partner and I work with independant investors who finance buyers that don't qualify for traditional financing. They do charge higher interest rates though and require a minimum of 5% down. Another method of approach is seller financing. Seller financing is a great way to lock in today's great prices while you continue to build your credit so you can get traditionally financed in the near future. Before you get too excited it's important to realize that drawing up finance terms with a motivated seller is a tricky business. Make sure you protect yourself and leave a longer than necessary timeframe for you to resolve your credit situation. Another method is a lease option. This is probably the best way for you to lock in a price and keep more of your money in your pocket while you repair your credit. If you'd like more details on creative financing techniques you can give me a call @ 228-547-7170

Have you found any assistance as of yet? I am an agent in the Gulfport area and I would gladly assist you. Please contact me at 228-596-0270.

Talk to a reputable broker/lender or check out site like this..
http://www.govloans.gov/govloans_en.portal?_nfpb=true&_p…

Be sure to avoid doing business with any fly by night broker/lenders

You posted yesterday. We are in a new year. You want to buy this year. I believe you can buy especially if you use some discipline and will power.

Obviously you are on top of your credit score. That is a great start. Have you visited http://myfico.com ? Look and see what a difference in interest rates a few points of increase in that credit score will bring you. It may be worth it to you to work at paying down, paying off, not creating new debt for the next 3 to 6 months.

I would need to know more about you to actually recommend a specific lender. But, for now--you can do some preliminary work yourself. Do you qualify for a VA loan?

Go here to get FHA Lenders: http://www.hud.gov/ll/code/llslcrit.cfm
Go here for Mississippi Home Corp: http://www.mshc.com/firstpage.htm
Go here for Rural/USDA: http://www.rurdev.usda.gov/ms/

I wish you the best in developing your plan of action. My name is Suzi Gravenstuk, I am an Independent REALTOR/Broker. My contact information is at the web reference below.