Good morning Robyn:
You can find a full time broker whose service commitment is to listen carefully to you to help you find the existing or new home that is just right for you, and who has a graduate degree and skill to negotiate your purchase to precisely fit your financial situation. They can be a creative problem solver and have two decades of diverse experience in architecture, real estate finance, general contracting and development, and a great team of consultants, which allows them to answer questions, and fully support you to make the buying process smooth.
But it is not a buyers market in Charlotte anymore. Most sellers don't like "outside the box" transactions; they want a sure thing and in todays market, they often have multiple offers to choose from - including cash offers and offers over the list price. You might want to read the Trulia Blog "I have bad credit and no savings. Can I get a home or am I stuck renting?" If you meet that criteria, you can probably get a home. We can help you find down payment and closing cost assistance, but if you don't have a steady income, decent credit scores and a loan pre-approval from a NC licensed lender, you will have a very difficult time buying a home regardless of the experience, skill and dedication of your real estate broker.
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