973 207 9803
Thanks for your question.
You are probably better off renting for a year since a mortgage will take around 45 days to close and you say your credit is not the greatest. This will allow you to improve it and get a place on your own.
Make sure you gather paystubs so you can provide them with your rental application on the place you would choose to rent. Look for vacant properties so you can move in right away if Landlord accepts your offer.
If you need assistance on what's available. Let me know what towns are of your interest and your email so I can send them to you.
Ines De La Cruz, Realtor, ABR, CRS
To view all the homes in SJ visit http://www.inesdelacruz.com
Having a chunk of money is good, but it probably won't completely offset a bad credit score or poor job history.... so write your explanation letters and tell them your story in writing, before you even look at their house. If you find a place listed by a real estate agent, email or give them your package of info before the showing... they'll appreciate it and it will save you both a lot time with all the back and forth questions.
If you have less than 3 weeks to find a place and move in, you've got a lot of work to do and I'd start looking for temporary housing because that's not a lot of time.
Joe Montenigro REMAX Home Team
Broker, GRI (856)374-2800 x106
Serving Gloucester Twp, Washington Twp & South Jersey Real Estate Markets
Search all Homes: http://hometeamNJ.com/search
About Joe: http://hometeamnj.com/about/
There are plenty of good buys still out there in good areas such as Collingswood, Mt Ephraim, Berlin, Gloucester Twp, Pitman, Dept Twp, Al these areas have some really good buys still around.
Also it sounds like you are being foreclosed upon... You have options still.
Search foreclosures and short sale here: http://www.BuyNJShortSales.com
"Nobody Sells More Real Estate than RE/MAX"
Larry Sarlo When you want it Sold Fast!
609-868-1171 call / text / email 7 days