Yes there are. But, should you take advantage of them?
These programs and resources can provide you VERY EXPENSIVE MONEY. This cost will strip away any gain you may receive in a pay raise, tax cut or any good thing coming you way in the foreseeable future. Doing things like this IS how people go broke slowly.
Take the next six month and focus on credit repair. Visit a local lender, not a big bank, and have a conversation with their mortgage officer. You will be enrolled in a program that will have you on target to purchase within 12 months. This is the smart route to take.
On a second note, that $4500 coming is FEB must not be spent on anything. Make it make money for you. At the very, very, very least, get a 35% boost by putting this money into an IRA. This is step one to creating many money making options in the future. If you are unable to achieve that small task, you should rethink the responsibilities of home ownership.
You are on the cusp of a great new reality. Keep you eye on your goal and be true to yourself.
Best of success to you.
ReMax Realtec Group
727. 420. 4041