Not many agents are comfortable handling a situation like yours, but I am. . If you are a serious buyer, we can start right away. Call me at 954-830-5300 or email@example.com
Speedy International Realty
Work on your credit with a credit counselor at your local nonprofit housing group. Pay taxes on the money you make. When yo do those 2 things, you won't have a problem getting a mortgage.
I suspect there will be restrictions on the type of property that can be purchased but you can fill in the details when you come back from the meeting.
Andrew Muller, Weichert Realtors, Best Beach RE,
Realtor, Loan Originator
No doc loans no longer exist. That is what got us into this foreclosure/short sale market to begin with. You need to find a realtor who knows the area that you are interested in, then you first need to consult with a lender they recommend and work with (we all have several) OR you need to consult your own lender.
The first step in buying anything in real estate is to get your pre approval letter. Then you know what you are qualified to buy. Do not move forward until this is done as a seller normally will not sign an offer to make it a contract unless there is proof of funds (for a cash purchase) or a pre-qualification letter if it is financed.
Hope this helps, and best of luck to you.
Debbie Albert, PA
Keller Williams Realty of the Treasure Coast
If you are looking to purchase in an area with a surplus of homes on the market it may be possible to find a seller that is eager to move their property that would agree to some form of creative finance for a set term allowing you a few years to either obtain a mortgage for the remaining balance on the home at the end of the term or make a balloon payment if that is not an option.
If I can be of any further assistance please feel free to contact me with any questions.