I have very flexible hours, although I was out of the office yesterday, Sunday. However, that is not always the case. It would be my pleasure to help you sort out your situation and make a plan for a great future.
We have two first time buyers under contract in San Tan Valley right now, the total out of pocket expenses for them will be under $1000 each. They are using two different programs but the end result will be the same: own a home and a minimum out of pocket. Neither had perfect credit, one needed some work to be completed during the process.
It is possible for you to accomplish the same and we are not charging either one for our services. Lets get you started on the same path.
As Bill is stating below, it is highly recommended that you talk to an experienced and knowledgeable lender. They will evaluate your situation and will provide you options.
Please call me if you'd like to see homes or would like a recommendation to a lender.
Steffy Hristova, MBA, SFR, Realtor®
Tel: (480) 966-9353 Fax: (602) 507-3703
3131 E. Camelback Rd. #125
Phoenix AZ 85016
I do not believe it as bad out there as the national media would have us believe. I am closing purchase and refinance loans all the time. Is it easier if you have perfect credit, etc., of course.
Many times I find people fall into two camps--those whom believe their credit is soooo bad, but really is not, and those whom think they should get a loan as if it is owed to them, no matter how bad they have handled their past credit. I would much rather work with the former.
No one wants to get into a public discussion of their personal history, so I would suggest you call an Arizona licensed loan officer (LOOK FOR THEIR NMLS #, AS THIS SHOWS THEY HAVE PASSED THE BACKGROUND CHECK, THE NATIONAL AND STATE EXAMINATIONS, ETC.--any time we represent ourselves as a mortgage lender, we are required to display our NMLS #, so it should not be too hard) and discuss your total picture. Some people try to hide the not-so-good things--worst thing you can do. It will surface at some time in the process, so better to get it out there up front, to be dealt with now. Otherwise, it messes up the transaction eventually, after everyone involved has invested their time and possibly money.
Find someone you trust, then stick with them, as they are investing their time and expertise in helping you.
There are many qualified mortgage brokers that will assist you. One I refer clients to is Dawn Svoboda at Academy Mortgage. Why? Because she gets the job done!
Dawn Svoboda - 520-421-1171
There are properties listed as seller carry. They do typically require a sizable down payment. And depending on your income, there are subsidized programs such as the NSP - Neighborhood Stabilization Program, that assists qualified individuals with a down payment and financing.
Coldwell Banker Rox Realty