I am in Arizona, but it applys the same all over. If your credit is too bad, even putting on a co-signer may not
work. You would be better to have your co-signer buy it and you work it out. Of course unless it is a family member, I am sure they would not want to be the only one responsible on the loan.
Again like the other realtor said , talk to a lender and have them check your credit.
Maybe you just need to clean it up for 4-6 months , and then buy on your own.The lender can also help you or connect you with some one to help you how and what to work on to clean up your credit.
Good luck, Judy UBG Phoenix AZ
Since you show that you're from Colusa, I would suggest talking to a lender in this area. As has already been addressed, of course you can use a cosigner, but your credit is also part of the scenario. I have a few lenders that you can talk with to find the one that "feels" right for you. You can contact me at my office anytime so that I can give your reference numbers and I can see what it is you are looking for.
Contacting a lender who can help you review your credit rating with available loan programs will help you understand where you stand. In addition a lender will be able to run a scenario with a co-signer. Your credit rating will still come into play, even if there is a cosigner.
I can highly recommend Chris Hudson. He is extremely knowledgeable and thorough. He can help run a couple of scenarios to help you understand what you would are would not be able to purchase. He can be contacted at 925-429-5226 or by email at chris@MyHomeLoanPlan.com
Alain Pinel Realtors