http://www.trulia.com/voices/Home_Buying/my_husband_and_i_just_got_married_and_would_like_t-37610but our credit isnt very good where can we get some helpen-ushttp://www.trulia.com/voices/profile/Real_Estate_Pro-Pennsylvania-197236/http://www.trulia.com/voices/profile/Real_Estate_Pro-Pennsylvania-197236/Amanda, Congrats on getting married! There are only a couple programs that would work but it depends on what your credit really looks like. I hear some people say their credit is bad and its in the mid 600's and other times its in the 400's so you need to be more specific. Why is it bad? late payments? high revolving balances? collections? The only programs left are VA loans, USDA loans, and FHA which you need money down but the seller can put that money into a down payment assistance program. As Michael said before no money down means no money down for the purchase price but on top of that you have closing costs like bank fees, transfer tax, title insurance, home owners insurance, appraisal, inspections. If you should need any further assistance please feel free to contact me 1-800-839-6186x334.Tue, 27 May 2008 12:05:15 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-85260-107330/http://www.trulia.com/voices/profile/Real_Estate_Pro-85260-107330/Try this link: http://getprequalified.com/article_list_credit_repair.phpTue, 27 May 2008 10:03:59 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-Shippensburg_PA-142784/http://www.trulia.com/voices/profile/Real_Estate_Pro-Shippensburg_PA-142784/Amanda, Yes, there may be programs out there that will finance a house for you, but you will pay a higher rate of interest and probably higher closing costs as well. Don Tepper gave you some of the best advice. IT works in the long term and is GOOD financial planning. Are you willing to make the committment to be frugal for a while, rent as inexpensively as possible and save up at least a small downpayment while you clean up your credit?? It may not look as great as the advice to just jump in there NOW, but you'll realize a much greater benefit over a longer term. Hope that helps. Mim Heisey REALTOR GRI Serving Franklin and Cumberland Counties PATue, 27 May 2008 09:59:02 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-Keller_TX-249376/http://www.trulia.com/voices/profile/Real_Estate_Pro-Keller_TX-249376/If you can find a builder with a direct lender and your mortgage is lower than renting..BUY NOW!Sat, 24 May 2008 09:24:13 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-Fairfax_VA-115570/http://www.trulia.com/voices/profile/Real_Estate_Pro-Fairfax_VA-115570/The other advice below is good: Talk to a good mortgage broker, look into FHA loans, etc. Also, though not mentioned here yet, look into Neamiah and AmeriDream: Those programs provide ways that sellers can help you with your costs. However, I tend more to side with Michael's advice. You have no money, your credit isn't very good, and you just got married. Yet you want to buy a house with no money down. That's not really a good combination of factors. Be patient. Save up your money. Pay your bills on time to get your credit scores up. And adjust to being married. It's a heck of a lot different than even living together. Give yourself a year. Home prices will still be very good...maybe even better than today. You'll be able to raise your credit scores substantially. Depending on your income and expenses, you should be able to save some money for a downpayment and for a safety cushion. (Hint: If you aren't able to save money while renting and living frugally, you very likely are going to run into trouble fast if you buy, no money down.) Set that as a goal: Memorial Day Weekend 2009, you're going to spend the weekend looking at homes with a Realtor. Then work back from there. April 1, 2009: You apply submit papers to get prequalified for a loan. January 1, 2009: All your outstanding debts are paid off. December 1, 2008: You begin interviewing Realtors. June 1, 2008: You contact several mortgage brokers to tell you what you can afford now, and what you will be able to afford on June 1, 2009. Some other professionals may quibble with that exact time line. (Find a Realtor earlier? Later? That sort of thing.) That's fine. But follow that general process, and you'll be in much better shape to buy than you are today. Trust me.Sat, 24 May 2008 07:38:25 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-Salt_Lake_City_UT-32130/http://www.trulia.com/voices/profile/Real_Estate_Pro-Salt_Lake_City_UT-32130/Sounds like FHA loan is your best bet. As for the down payment you can use programs like Ameridream. Downpayment, if you market is soft you can ask the seller to pay it or have the lender pay it through the rate. http://www.3poundsofrealestate.com/2007/09/30/did-you-know-that-fha-does-not-use-fico-scores-salt-lake/Sat, 24 May 2008 07:06:20 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-Keller_TX-249376/http://www.trulia.com/voices/profile/Real_Estate_Pro-Keller_TX-249376/Lennar builderes have a Memorial Day weekend blow out! $600 will get you a brand new home with upgrades and warranties. If you work with their mortgage company you can get an interest rate of 4.875 30 year fixed! NO CLOSING COSTS, NO MONEY DOWN PLUS THERE ARE NO INSPECTION COSTS ON A BRAND NEW HOME!!!!!!!!!!!!!!!!!!! Good luckSat, 24 May 2008 06:52:34 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-18969-159782/http://www.trulia.com/voices/profile/Real_Estate_Pro-18969-159782/Hello Amanda, It has been getting harder to get Home Mortgages, however, with some good advice and a little effort, you can get there. First off, buying a home with no money down doesn't mean buying a home with no money. There are closing costs involved, taxes, fees, etc. Some of these can be paid with a seller help depending on your loan program and agreement. So it is best to save some money, even if you don't want to use it all for the purchase. Secondly, pay your bills on time and correct the stains on your credit. The higher your credit score, the better off you are. Job history is important as well. Job hopping isn't seen as stable with most Lenders. If you have any more questions, feel free to contact me. Good Luck! Michael Michael D Delp Mortgage Pro 4802 Old Bethlehem Pike, Telford Pa. 18969 Ph- 215-453-1025 Fax- 215-453-1012 Cell- 610-762-0318 michaelddelp@aol.com michaelddelp@verizon.net www.mortgagepro.instantlender.comSat, 24 May 2008 03:36:48 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-Philadelphia_PA-96763/http://www.trulia.com/voices/profile/Real_Estate_Pro-Philadelphia_PA-96763/I would first suggest that if you recently got married, maybe you can use some gift money to go towards the purchase of your first home. In this mortgage market, the 100 percent financing with 6 percent assist programs no longer exist. You can still go FHA where yourdownpayment is only 2 1/4 percent and can qualify up to a 6 percent assist. I would contact a local realtor and mortgage professional in your area to see what you can quality for. In Philadelphia, we do have some great first-time homebuyer programs where homeowners can receive grants and the like that go towards their purchase. If nothing can be done, I would suggest to start saving money now for the future to accomplish that goal. For more helpful hints please visit our website below and good luck !Sat, 24 May 2008 03:32:50 -0700http://www.trulia.com/voices/profile/Real_Estate_Pro-San_Ramon_CA-76928/http://www.trulia.com/voices/profile/Real_Estate_Pro-San_Ramon_CA-76928/It's getting toughre for even folks with good credit and money down to get loans. Your best bet it to talk to a mortgage broker in your area and see what programs are available in your area. Good luck!Sat, 24 May 2008 00:48:12 -0700