It is a tremendous time for you to investigate the opportunity to buy while the prices and mortgage rates are most affordable. I have included link(s) for you below.

First Time homebuying lessons
http://www.kiplinger.com/columns/starting/archive/2008/st102…

Search for Homes
http://robincutler.maxbroock.com/vp/SearchServlet?ListingSea…

Don't hestitate to contact us if you have further questions or need assistance.

Kay Pearson, CRS
Associate Broker
Real Estate One - Max Broock
31 S. Main Street
Clarkston, Michigan 48346
kaypearson@maxbroock.com
248-860-0366

Hi there
Your first step is to speak with a local reputable lender to find out exactly where you stand in terms of qualifying. Lack of credit, while it may represent challenges, is usually better than poorly managed credit. But is looks like you've saved up some $$ and hopefully you have a stable income. Credit, income, and down payment determine how much you qualify for, and what sort of programs you are eligible for.

I'd be glad to walk you through the pre-qualification process. Feel free to call me at 313-622-7383 or email me at anthony.grech@bankofamerica.com

Tony

Good morning Homebuyer!

Thank you for your question. First thing you need to do is speak with a reputable mortgage consultant. I have several recommendations for you. Let's see how your credit looks through a lender's eye. Only then will we truly know what you will qualify for or what you need to do to get there. If you're a first time home buyer, and it sounds like you are, the clock is ticking on the 1st time home buyer tax credit of $8000. It would be great to be able to take advantage of this wonderful program. This money can be used for so many things ... home renovation, furniture, appliances for your new home ... whatever you may need.

You can visit m website and search in the privacy of your own home the multilist just like Realtors do to get a better feel for what the market is like in the are you're looking and price range. Just visit: http://www.ClickThisHome.com or contact me directly at LisaBender@kw.com and I will get you set up myself in the system so you can see what's available as well as give you the name of mortgage people you should contact.

In the meantime, here is one of my great listings located in Waterford. Jjust click the link to the virtual tour:

http://homesite.obeo.com/viewer/default.aspx?tourid=492063&a…

The Seller's are motivated.

Please contact me if I can of any further assistance. I wish you much success in your search for a new home. It's a great time to buy in Michigan!

Sincerely,
Lisa Bender
Keller Williams Realty
LisaBender@kw.com
810-534-2058

"Homebuyer,"

Congratulations on your decision to at least explore home ownership! The first step is to speak with a loan officer and understand what the options are. If you would like to connect with me directly, I can point you in the right direction. Feel free to email me at Derek@DoorToDreams.com, or through my Trulia profile. If voice is better for you, my office is 248.851.4100.

Thank you, and I hope to hear from you.

Derek Bauer, Associate Broker / Realtor
Real Estate One
http://DoorToDreams.com

You may be able to use FHA financing. which is a vehicle designed for buyers like yourself. Would be happy to assist you as well as refer you to a lender to discuss youtr options. Please feel free to contact me at anytime.