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Hello Babe, Congratulations on deciding to buy a home. May I ask what state you are located in? The reason being that prepayent penalties vary by state. A prepayment penalty is what you would be charged if your refinanced in the first 2-3 year of the loan. This is an important consideration, as if you do have poor credit, after 10-12 months of making your mortgage payments, your FICO score should improve 100 points or more. That would greatly reduce your monthly payment. Is this the first time your buying a home? If so the government has some great programs such as FHA & Adel programs. In regards to starting a new job, that is not a problem. However most lenders will take your past 24 month history into account. Have you been employed and making consistent money? On our website we have lots of free information and reports. If you are a first time home buyer I'd consider the FHA program. There also are some companies that offer downpayment assistance. Depending on the sellers situation, you can often get some seller concessions that could be utilized in your no money down goal. This is something you want to discuss with your Realtor. Please let me know if you have any further questions. Kindest Regards, Darren Meade
If I were you I would rent while I improved my credit. I'm a loan officer and we can get just about anyone approved for a mortgage. Most banks won't touch people with credit below 650. This usually means people have to see a broker or other lender. This is our job and have to make money as well, either from you or the lender. So you can get a mortgage and pay to get it, work on your credit then refinance. Or you can just rent and work on your credit and hopefully save up money for a down payment when you're in a better position.
Please don't do Karen G's response "Yes, Online just type in bad credit home loans and a list of lenders will show up that help people with credit problems" Why - If you have bad credit now, and you will get lots of calls to do your loan - even if they can't do it, they will try to get your information....Than "EVERYONE IS PULLING YOUR CREDIT THAT CALLS YOU" YOUR CREDIT WILL GO EVEN LOWER........."Talk with a broker, a broker underwrites for many company's (I underwrite for 150 companies) so I only have to pull credit 1 time, and LENDERS look at my credit. A single lender (not a broker) has programs available, but they may not be able to help you and your situation, so you go elsewhere, and than that person pulls your credit (see what I mean.) If you shop, your credit is pulled and that is considered a soft pull, for a 30 day period. Just like shopping for a auto, it is good for 30 days. If you apply for a credit card, that is considered a "hard" pull and it drags down your credit score. When looking for a home, please do not apply for a credit card, Department Charge Card, Gasoline Card or make any major purchases, like a auto, etc. This will pull your credit down. Now if you have 2 years of job time, and if you are in the same line of work, or if you moved up to a better paying job - it just needs to be documented. Also, what do you consider "BAD CREDIT). What you consider bad and what a lender considers bad is something else... There are other factors to consider, besides credit. Medical Bills are Over looked by underwriting (since medical is a un-forseen event), where as credit cards, are looked at (since you purchased items on a credit card.) Also, Job time of 2 years, Rental history for 2 years is looked at. What collections & judgements are on your credit report. Some collections may not have to be paid off. Judgements may need to be paid off - depends on the Lender and Their Underwriter. All of these are taken in as a factor on getting a home loan. Credit can be worked on, by adding alternative credit. If you are paying regularly on a cell phone, auto insurance, rent, etc - these are called alternative credit.. All is not HOPELESS - ok - take a deep breath. If your middle credit score is 500 or higher, anything is workable, with a seller second - etc the higher the credit score the better. Lenders look at the middle score...of the 3 scores. If you only have 1 score or 2 scores (have seen it), it is still workable....but unless a lender sees the whole picture - credit - income - job time, etc - than you will not have a "true" picture of what you can afford - Hope this helps - There are also Government programs out there, but they too are looking for job time, etc.....They are not so much looking a credit - but the other factors are taken into consideration. With a government loan - collections and judgements will have to be paid (most ppl do not know that) but for FHA it is true.... Good Luck, and if I can help in any way check out my web site, for links to all the credit reporting agency's and other useful information.
This is a difficult question to answer as there are to many factors not known to be able to give you a good answer. My advice is to contact a Mortgage Broker as they have more aggressive lenders who will compete for your business even with bad/poor credit. The new job situation isn't as key as the credit is and the no money down is also not as much of an issue. Keep in mind you will have a higher interest rate due to bad/poor credit and no money down. I hope this helps you but if you need any help email me email@example.com.
Yes, Online just type in bad credit home loans and a list of lenders will show up that help people with credit problems.
Talk to a loan officer at a mortgage company.
Best to contact a mortgage broker, they deal with multiple banks and investors and have more to choose from. You can get any deal you can imagine, but in your condition may end up paying a higher interest rate. If you want to contact me I can help you find reputable assistance in your area.
Sometimes a lease-purchase agreement may meet your needs until your credit score meets qualifications. Check into it to see if It will work for you!