Hello Kim, do you have two years employment in the same field and have been back on the job for the last 6 months? If so, you may qualify to buy with FHA financing.
You may qualify for FHA 3.5% down from a minimum 580 fico score and 3% down from a minimum 620 fico score. If your scores are lower you may consider 10% down FHA with scores between 500-579.
You should study RENT vs BUY listings to compare payments and qualifications. Some rentals may turn you away to the next renter but purchase can not discriminate by law.
If you figure out what cities, zip codes you are considering, minimum number of bedrooms and the maximum payment you are looking to afford, I can see what options you have available to email to you.... more
Isabelle: There are very reputable RENT TO OWN programs available, with a huge inventory of homes to choose from. It's a great path to home ownership. Our brokerage loves to work with them.
Did you know, as a buyer, you are, in most cases, entitled to all professional services from a REALTOR at no commission charge.
PS: An agent requests a "Buyers Representation Agreement" to establish that he or she is working on your behalf. The form was designed, in part, to identify your agent's involvement to the seller and their broker when you choose a home to purchase.
Other than for your emotional and financial well-being, at the very least....hire a Realtor for your SAFETY. There are scams all over the place when looking for homes. I just read one yesterday in which a buyer would post on craigslist an ad on subletting his condo and was just convicted of 2 separate rapes from the ad alone.
A Realtor generally knows what to watch out for and what looks a little shady. (As the saying goes ....when you see something that seems too good to be true, it generally is). People who have homes listed in MLS are (for the most part) serious sellers...not someone waiting to murder you or take your money.
-Amy S. Arey, Realtor
Halo Group Realty, LLC
moving to texas the 1st of sept.2014 looking for a house or townhome to lease , i have a housing voucher ,this place would be for me and my son, my family also lives in richardson tx would like to be close to them,thanks,tanyika coleman... more
Plano is a wonderful place to live with lots of good schools. You'll love it here. I would suggest spending some time driving around Plano and get to know the area before deciding where to live. What is your budget for rental? Is there any specific school that you'd like your children attend? Leasing is a hot market here especially for homes that are nice and ready to move in. So if you see a home that you like be prepared to submit an application and don't wait.
Susie Kay, Realtor®
GRI, CHMS, SFR
United Real Estate
III Lincoln Centre, 5430 LBJ Freeway #280
Dallas, TX 78240
Servicing your real estate need is my priority!... more
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Yes it is definitely possible to rent a home with bad credit, self employed etc. the majority of people renting in an area like North Dallas have issues that prevent them from buying a home. Landlords are more willing to work with you here than say in New York where everyone rents. I do know of some lenders that work with low credit scores down to a 580 if you would like a referral email me or visit our website.... more
Hello....I work for a legal consumer firm that helps to resolve those type of credit issues. Please give me a call to see if I may be able to help...that is if your actually looking to get the situation rectified.
972-231-0452 ext 109 http://www.whitejacobs.com/sergio-marshall... more
Depending on what the issue is, you could likely have a problem at many locations. Most homes for lease that use a property management company are going to be reviewing not only your credit report but also run a full background check for prospective tenants. You may consider writing a cover letter for any lease application that you send, explaining the situation - but there is no guarantee that the landlord will consider it.
Good luck! I hope that you find something that works for you.
Melissa Hailey - North Texas Top Team, Realtors
Coldwell Banker Jane Henry Realtors