Hi Kimberlie. You definitely need to talk to a lender first. They'll be able to tell you exactly where you stand and if you can get a loan or not. If you can, great. If your credit is too low, and they can't approve you, there are alternative methods of getting into a home. One popular one right now is a lease-to-purchase (aka lease/purchase). You would lease the property you like for a certain period of time and hopefully by the end of that time priod your credit has increased enough to the point where you can now afford to buy that home. Another option though is to maybe look for someone selling their home who is offering seller financing. Hopefully this helps. And I know a few great Realtors in Canton, so if you need a recommendation/referral, just let me know. dchamilton@kw.com

good afternoon kimberlie.....why not challenge me to get you loan approved?.....tough credit is relative.....a little or a lot!.....licensed in 22 states including your's......best regards.....bob mcclure- mortgage now- farmington, michigan............

Kimberlie,

Cash is KING... depending on the loan to value (how much you borrow vs. the purchase price). I would get with a good loan officer. Your realtor should be able to suggest one, or my wife can lend anywhere in Ohio and is very good with troubled credit.

Hope that helps and let me know if you need anything else.

Check with a lender. Your credit may not be as bad as you think. If that is still not an immediate option for you, you may wish to consider pursuing alternative solutions: Rent-to-own or Lease Option, Land Contract, or perhaps even a Third Party Lender (Private Lender).

With the way our market has been, more and more options are becoming available for people with less-than-perfect credit.

Good luck.

Art Hotes - RE/MAX Classic
Serving Northeastern Ohio
Art@ArtHotes.com http://www.ArtHotes.com

Kimberlie,

We have several local mortgage companies who would be happy to qualify you over the phone.
There is also a company I'm aware of that will help better your credit standings for a loan too.
This way, you can have a game plan for coming here to Canton.
Thanks,
Mark Seibert
RE/MAX Commitment