Call or e-mail me and I'll send you a list of direct and private lenders. I work with a couple of pros that are real magicians!
Katie Ingram, RealtorÂ®, CDPE, CFA
Keller Williams Realty
email@example.com / http://www.katieingram.com
* Serving Buyers & Sellers in South Florida since 1999
Probably not. Assumable mortgages are few and far between. If you do find one the seller and the lender both have to approve you to take it over. The seller would want cash to cover their equity in the home as well, so it could be expensive up front.
Your score is either based on a one time major financial event you are still recovering from or a long term pattern of not paying on time. I don't know which, but I know many good people who have had credit issues for good reasons.
My general advice is to solve the credit issues first, that will improve the credit score and may put you into a position to buy later.