I will work with you in regards to "credit issues" since homebuying is a long term process. I enjoy working with first time homebuyers especially since they have access to great down payment assistance programs and then new tax credit.
Have you spoken with a lender at all yet? If finding a great Realtor is step one then finding a great lender is certainly step one-A!
Purchasing a property in distress, whether it is somewhere within the Foreclosure process or whether it has already traveled down that road and is now a bank owned home, can be fraught with challenges but can also be a rewarding experience as well.
It sounds like what you really need is an agent that knows the ropes where distress purchases are concerned and that would be where I come in. 100% of my business is helping nice folks buy and sell properties that are "distressed" and I have a 100% success rate for helping my client's achieve their goals.
I would be happy to talk with you both whenever you have the time to see if we would be a good match.
Please feel free to get in touch with me either through Trulia, via my website or by telephone.
I look forward to hearing from you both and helping you find the perfect home for all six of you!
Take care and have a wonderful day!
Tisza Major-Posner, Realtor, IVPG, (213) 392-4084 or (909) 837-8922