COLDWELL BANKER TOMLINSON NORTH
8205 N. DIVISON ST.
SPOKANE, WA. 99208
We do this for loan officers around the country, but we are located right here in Washington (with an office in Spokane). Depending on what your credit looks like, there actually may be hope. Even if there isn't hope for a fast rebound, we can show you how to get into the 700s within 12-18 months.
Take control of your credit through knowledge.
My advice is that you talk to a couple of us right away. You do not give us enough information to really know how we can help you. I am a real estate broker, a loan originator & I also work with the best credit restoration company in the country. call me if you want during the day & I will try & help you get on track ti get into a home. 206-841-9976
Your situation is not at all out of the ordinary. I work directly with a lender who has a great program that is free, and designed to help you get back on track with your credit so you can buy a home again. The company is local, meaning you deal with them in person, not over the internet. If you are interested you can reach out and email me here: firstname.lastname@example.org and I will get you in touch with them.
All the best,
Rick Monaghan, Broker
You don't give any indication of how bad your FICO score is, or whether you've kept up on everything since moving to Spokane. There are loans that allow a "zero" down payment, and the seller can pay buyer's closing costs. You really need to go to a good mortgage officer, and get a true picture of your financial status. If you gave the house back in a "deed in lieu of foreclosure", rather than a foreclosure, then that should be easier on your credit.
It doesn't cost anything to meet with a lender, and you'll know whether you can buy now or when to plan on by proper spending habits.
Jean Bradford, CRS, CRB, ABR, SFR
John L. Scott RE
Best to you.
Life happens to us all and mainly I would advise you to stay focused and stay positive.
Now if you can not find a co-signer you may offer an extra months rent up front to help yourself.