Lloyd Ann Caston

You probably won't get a loan from a regular lender, although I am not a lender. My best suggestion is to hire a buyer agent to represent you and ask them to find a property that you could do a lease/purchase on. It may very well be that someone in your area is close to foreclosure and can no longer keep up the payments on their house. If you can find someone like that, they may be willing to allow you to lease the house for the payment amount (make sure there is a safeguarded way your lease is going to the lender) until your credit is good and you are able to obtain a new loan. This is not a lease with an option to buy...this would be a lease with a purchase price agreed to at the time you take possession, and a full agreement to not walk away. You will need to pay your buyer agent at the time the contract is written, not when you finally get the loan and close on it. - Wed Apr 9 2008, 11:58

You would probably have the right to make the payments and continue to live in the house. In most instances the loan is in both names regardless of who the court has determined is responsible for making the payments. I am NOT A LAWYER....if this is happening to you then CALL YOUR ATTORNEY IMMEDIATELY. LIKE - TODAY - Wed Apr 9 2008, 11:47

Certainly the answer is THE KITCHEN...unless there is a major leakage problem in the bathroom, or something that will affect the structural integrity of the home. For example a tub surround that is leaking into the wall and down the floor, takes precedence over anything else.
If there is no damage occurring then do the Kitche first. It is the heart of the home. It is where laughter and food and togetherness occurs. It is the location in a home that people first go when they get home. Kitchens will almost always increase the value at least as much as you have spent, unless you don't consider the house, the character and the price range of the home. Be reasonable in choosing and set a budget and keep it. - Wed Apr 9 2008, 11:41