Our company helps people repair their credit by selling homes in Collin County thru owner financing. You have to have some down payment but credit isn't an issue. We help you build your credit while helping you buy the home you want. Call for available properties or to make a request for a specific home. 972.859.9041

NO HASSLE FINANCING

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NO BANK
NO CLOSING COST
DOWN PAYMENT ASSISTANCE
FULL 30-40 YEAR TERM
NO REFINANCING AT ANY TIME
PROPERTY TRANSFERS INTO YOUR NAME
99.9% APPROVAL RATE
LOW INTEREST RATE

GREAT QUESTION: do you have a family member, or business associate or friend who can purchase for you and do a lease own purchase till you resolve credit issue?

I am a credit repair consultant happy to review your file when I owned my credit repair company my clients were ready purchase a home within 90 days . Based issues on credit reports.

If you cant repair your credit is best focus and moved forward daily pay your bills on time, reduce your debt.

Your FICO scores need be around 620 or more.

Here is a direct link for Mckinney homes for sale
http://sites.google.com/site/dallasbankforeclosureslistings/
CONTACT OUR OFFICE TODAY
972-699-9111
Lynn A. Crosby ~ National Featured Realtor
"...Specializing in Residential, Commercial Properties and Loans..."
Dallas Realtor, and Credit Repair Consultant -
The Michael Group - "Dallas Business Journal 08' list top realtors"
Dallas Loan Officer -
Dallas Real Estate Office: (972) 699-9111
Dallas Real Estate Website: http://www.lynn911.com 60,000 listings Dallas homes for sale

Hi Home Buyer,

The lenders I have seen are not lending to buyers with credit scores less than 580, and you'd need a significant amount down. If you have cash, you can try a hard money loan, putting down 25% on a 5 yr note and then refinance. You could also pay cash, however cash may not be an option for you. My lender has hundreds of people enrolled in a credit repair company, and it is just really difficult, most credit repair companies will take your money and make promises guaranteeing their work, only to find a creditor sells your account to som new debt company, who makes the debt reappear on your credit, then suddenly you have a new account, and their promise is void. At best they can do the same you can, dispute inaccurate information. It typically takes one year to get your credit score rebuilt-letting old accounts age, paying others off, and establishing 3 positive lines of credit for more than 6 months can help turn your credit around. If you need the name of a hard money lender, let me know. Good luck to you!

Nicole Arenas, REALTOR
214-991-9507

Needhome,

Answer on the home you're speaking of is cash. Right now you must have at least a 580 middle credit score for an FHA loan and that price point won't conform to FHA guidelines. If you can have someone co-sign with you - you may have a chance. Otherwise, you could go through credit repair and I'd be happy to refer you to Mike Rowland at mrowland@msicredit.com and he can help you get your score higher. It could take 6 months, so the foreclosed house may not still be on the market.

Happy to help,
Terri Hayley
The Hayley Group, Keller Williams
Top 5% of Realtors

Needhome, since the recent mortgage crisis banks have become very strict on their loaning practices. I would suggest you speak with a mortgage professional or specialist who can give you the answers you seek. As Real Estate Agents, we know from experience that it would be very difficult to purchase a home with a low credit score with the exception of a huge down payment and high interest rate. Something worth mentioning would be looking into a OWNER FINANCE property. They may be willing to work with you. Sometimes there are no qualifying, lower interest rates, flexible terms and down payments coupled with fast closing.
There are some great sites online that can give you all kinds of information on improving your credit score. Couple of my personal favorite credit experts are Bud Hibbs and Dave Ramsey.

If I can help in any way, feel free to contact me. I know some mortgage professionals that can contact you directly or I can pass along their information.

Best Wishes!
TX Cyber Homes

it could be nearly impossible without paying cash. i would have to have a loan officer talk to you and get the larger picture. call me and we can get someone on it immediately.

RJ
2146820598