Asked by W, South Orange, NJ • Wed May 14, 2014
So i currently live with my older brother in his house in SF. Before it was a nightmare being at the house because of our neighbor but they have finally moved out and we are at peace. Throughout two years my big brother tried finding a new home but his income had not increased enough to be able to apply but finally he has less debt and caught a steal with a short sale of a home in San Bruno, CA. I really want to be able to keep the house we have now but he doesn't qualify and i think all they offer him is a type of loan where if he keeps both he has to either put 20% down on the other home or get a loan program where he pays the 20% over a period of time with the home loan, but i think it's separate. We tried getting my income and credit score involved with the transaction and it still wasn't enough. Now we have our Dad who owns a property, retired/perf cred, and owes nothing (house fully paid) but has no actual income but social security, trying to help us. Is there a better solution?
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