There's a really big advantage in working with a buyer's agent; you get a better deal and smoother transaction without doing all the work! There are also elements to a proper transactional process that you may not be aware of. A good agent will protect your interests. You likely already know that the seller pays the commissions on MRIS listed properties, so you have nothing to lose and everything to gain by allowing a professional to guide you through this major transaction.
If you'd like help with your search, check out my profile page. I'd be happy to help!... more
Good morning Eanr: There are still a few lenders left that offer programs down to 500 scores, but they are becoming extinct fast. Both FHA and VA technically have NO credit score requirements, however, most lenders add minimum requirements to these loans. There is also the possibility if you work with a good lender, they may be able to help you repair your credit scores, and help you become eligible for even more programs. Our firm offers free credit repair and rapid rescoring, where we can usually get new scores in 72 hours or less. Good luck and thank you for our service to our country! Jim... more