George - I grew up in your area. Are you the George Wilson I think you are? If so, you have someone right around the corner that can help you with your needs. That is if you still have questions.

As the others note, you didn't ask a question in your earlier post. Also, your post was extremely difficult to understand.

Apparently, after some years of good credit, your credit has declined. And you want to buy that home. First, find a good Realtor and have him/her do a CMA on the property. Ask the Realtor for the names of two or three good mortgage brokers. Choose one, meet with him/her, and find out what you can qualify for. Based on that information (what you can qualify for and what the house is worth) you can decide what to do next.

I reviewed your question asked as posted : between the <<< >>>
<<<< 1st time buyer, 12 yrs very good credit, due t0 divorce, sudden onset, court Primary parent of 11 yr. daught caring 4 mom past 3 yrs. on overload had excellant credit past 14 months overly stress out with demands cr scores were lowered very stble occup. unless all the inmates in gloc jail leave >>>

MY COMMENT:
Apparently you had good credit? from what I can gather
NOTE: if you credit scores are 620 an above with 2 year history of employment, 3.5% as down payment, debit ratio affords a home you should be OK purchase.

I am assuming you work in professional position with inmates / jail / police department.

National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter: http://twitter.com/Lynn911
Lynn911

http://www.lynn911.com

Here is the other question:
http://www.trulia.com/voices/Property_QandA/st_time_buyer_yr…

George,

We are sorry for your frustration but Trulia Pros are ready to answer your questions. Consider rewording your question and submitting it again.

Keep trying.......

There was no question to answer. If you asked a question your question never went thru the system so we would be able to find it to help you.

This is a very good forum with lots of good people full of help.


State your question again...

I work in your area.

Larry Sarlo
Weichert Realtors
609-868-1171
larry@njhomesandmore.com

George, I am sorry but I don't handle your area of NJ.

I read over your previous post, and it is obvious you have been under a lot of pressure - not easy being a single parent caring for a mom who is ill.

I hope an agent who covers your area will come along, and help you.
Why not stop in a local real estate office, and ask an agent there to help guide you. They can put you in touch with a mortgage lender who can dicuss your credit issues, and make suggestions to help you achieve home ownership.

Best wishes...........
Debbie Rose
Prudential NJ Properties

I think is this one, hopefully you have more ideas!

http://www.trulia.com/voices/Property_QandA/st_time_buyer_yr…

Benito.

George, What is your question? I must have missed the initial post.

George - what kind of help do you need?

Debbie Rose
Prudential NJ Properties
debbie.rose@prudentialnewjersey.com