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Tue Sep 18, 2012
Kate, you can either fix your credit or find a home that the seller will finance. So, its totally possible.
I have 2 credit repair specialists on my team. If you want to give it a shot, let me know. No charge to talk to me about it.
I grew up in Gloucester so I know how you feel. Keep your vision of living there and what it would be like in your mind everyday and follow the steps in the links that these agents have recommended one at a time. Don't be overwhelmed, approach it step by step. Gloucester will wait for you.
Just a couple random thoughts....it's not often that certain "feeling" comes along so I would love to see you get that house......
- Do you have anybody that will co-sign a loan for you?
- Occasionally, the sellers are in a position to "assist with financing". You never know until you ask....
- And for the obvious.... HAVE you recently spoken to a mortgage consultant? Your credit might not be as bad as you think. At a minimum, you will find out what you need to do to get your credit to where it needs to be!
The lending market is tougher than I have ever seen it right now. If you know your credit is an issue you could take a two tier approach. First contact a lender and find out how much of an issue it is. A good mortgage rep will review your credit and point out which are the most damaging pieces.
Once you understand what needs to be addressed research good credit counselors. There are many that are low cost , some that are no cost but you do need to do some homework.