Another option is to purchase with seller financing.

Depressed,
We have an outstanding credit repair program geared towards prospective buyers. Feel free to call me at your earliest convenience.

Josh Stewart
Preferred Mortgage Consultants
1-800-839-1019 ext 135

Patience is the key in your case. The best thing you can do now to prepare is save as much money as you can, reduce debt and learn as much as you can about the process. Pick up every extra side job you can and bank everything you can. Make sure your taxes are clean with clearly documented income.

In the mean time, the fun part of buying a home is looking. Start looking at yourself as a homebuyer, not a candidate with poor credit who is working to get there. Enjoy the anticipation by going to open houses, driving neighborhoods and researching on-line. Once you reach the place of financial rest and clear credit, you'll have all the tokens in place to make on of us agents very blessed people!

It would be in your best interest to speak with a lender that is willing to help you repair your credit. There are even special applications that lenders have to help you decide which items to pay off or pay down in order to improve your credit by the greatest amount.

If you would like a few lenders to choose from - please feel free to make contact below. Also, other agents will likely have suggestions for you. The most important thing is that you find a lender that you can trust to help you get your credit ready.

kevin pellatiro (615)714-7918 kpellatiro@realtracs.com http://signswemustobserve.blogspot.com/