Kiwi, Are you looking for owner financing? Most sellers get cashed out by the buyerâ€™s mortgage loan. If you are looking for owner financing, or a chance to buy something at todayâ€™s lower prices while you fix your credit issues, you should get an agent and look for lease options.
A lease option typically allows you to set the purchase price at the current value. You rent the home for a period of 6 months, 1 year or more, at which time you may exercise your option to purchase the home. Part of your rent may be applied toward down payment so that if you are able to obtain financing from a lender you will already have a chunk down.
If this sounds appealing, you'll need to find a local Realtor with Lease Option experience to represent you. You'll want some assurances that the home is in good standing with the ownerâ€™s bank. There are cases where people have rental homes get foreclosed upon while the owners pocket the rent rather than make a payment.
I hope you are successful in finding a home.