Hi, I work and live in Loris, SC and love it. There are plenty of options for first time home buyers, but if you have credit issues, there are people out there to help you through the process of getting it all straight and cleared up. Call me today and we can discuss your options in private. I have been very successful in the Loris and North Myrtle Beach market and am optimistic that this market is turning around and everyone deserves to be a homeowner. You may contac tme on my cell phone with any questions you may have.

Hi Michelle!

There are some fairly simple ways to begin repairing your credit issues, that is the first step for you. State programs that I mentioned to you previously still would require a decent credit score, however if you are willing to work at it, they can help you do it. Contact me directly to get a contact person for the next credit sense workshop and once you complete that step you will be ready to take their first time home buyer's workshop. We are working very closely with them and are planning on hosting one in June. My direct number is: (843)877-6120, or you may email me directly at: dworkman@sccoast.net
There is help out there, but you need to take the first steps.

Sincerely,

Debbie Workman
Prudential Burroughs & Chapin Realty, Inc.

Michelle. Please contact me if you would like to discuss this more in private. Your options may be limited if your credit score is too low. However, we may be able to find someone willing to owner finance or do a lease to purchase agreement in the future. But we would really need to discuss a few details to see if you would have a chance to qualify for a loan.

Call me or email me anytime. Take care. Derek Heppe

Hi Michelle!
You didn't say if you were a first time homebuyer or not, but there are programs available to first time buyers that offer little or no down payment. If you are interested in finding out more about these programs, contact me at: dworkman@sccoast.net
Also, please browse my website for properties that may be of interest to you: http://www.DreamHomeAtTheBeach.com
Sincerely,
Debbie Workman
Prudential Burroughs & Chapin Realty, Inc.

A conventional loan will require at least a 20% down payment. We had a guest in the office yesterday from one of the largest mortgage companies in the country who told us that at this time,you need about a 720 score to qualify. if you can come up with a 3.5% down payment,you could look into an FHA loan which is not so dependent on credit,although you do need a certain score. VA is 100% financing,but is credit driven & you need to be a veteran or active service member to be eligible. There are a few 100% financing programs out there,but they are drying up fast & with 100% financing,your payments would be much higher. you will need a 2 year work history & sufficient income not only to cover your monthly note,but taxes,insurance & maintenance. For example, will you be prepared if the roof or AC goes out? With all this in mind,your first step should be to contact a reputable,local mortage lender to see if you qualify. if you can get pre-qualified,then find a local agfent to help you locate a suitable property & guide you through the purchase process.

Good luck!