Property Q&A in Leavenworth>Question Details

Erica_bruning, Home Buyer in Leavenworth, KS

I have bad credit and we are both on ssdi is there any help out there for us?

Asked by Erica_bruning, Leavenworth, KS Tue Sep 18, 2012

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This question is about this property: http://www.trulia.com/property/3095424803-518-Pottawatomie-S…

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2
Erica-

There are many ways to purchase a home. Credit is a key element of the equation. When you say "bad credit" how bad is it? I suggest that you talk with a Lender, and see what your current credit scores are. If your scores are indeed bad, ask the lender to sit down with you and discuss ways to improve your score. Hopefully one day you'll be in the position to purchase a happy home.
If I can be of any help, please contact me.
Wishing you to best!
Joy Neely
http://www.happyhomehunters.com
0 votes Thank Flag Link Tue Sep 18, 2012
Yes there is. Bad credit is temporary if you are determined to own your own home. There is a program that is managed by a not-for-profit agency called NACA (Neighborhood Assistance Corp of America).

They do charge a small management fee but essentially they have a nearly perfect record for people who follow the program to getting them approved to buy a home. Additionally, since they are a not-for-profit, they have grants and pre-negotiated interest rates that are better than what you can get anywhere.

It is not a program where you just go in and fill out a bunch of papers and wait - you have to be willing to open up your finances to them and have them assist you. They will help you prepare a budget and get your credit score together.

Then they will pay your closing costs and down payment!

https://www.naca.com/nacaWeb/index_main.aspx

You are allowed to use your own Realtor once you are approved as long as you tell them who sent you to them.

Have a great day and let me know if I can help in any other way.

Angela Shopper
913-707-6884
0 votes Thank Flag Link Tue Sep 18, 2012
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