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It is possible that you might be able to get a 100% mortgage. However, I caution you that these mortgages are very dangerous. Because you are borrowing 100% of the value of your house, you have no "equity". That means that, if you should have to sell your house, you'll be in trouble, unless the price goes up. The newspapers I have read say that real estate prices have levelled off. In fact, in some parts of the country, prices are falling. There are a whole lot of people trying to sell their houses, and they can't find any buyers. Why? Because they paid such a high price for their houses that they can't afford to lower their asking price. And those prices are too high for new buyers to pay. I won't even get into the problems that you could have, if you select an adjustable-rate mortgage or (worse) an interest-only mortgage or "negative-amortization" mortgage. These products are traps for people on a tight budget, and are already resulting in huge numbers of foreclosures, across the country. If I were you, I'd think seriously about waiting for at least a year, before I bought a house. I'd do whatever I could, in the family budget, to put aside an extra $100 or more, every month, in a savings account that I couldn't touch, so that I would have some money, after a year, that I could use as a (small) down payment on a house. This practice will stand you in good stead, after you buy the house, because you'll be better prepared for unexpected expenses. I own a house, and let me warn you. Buying a house is an expensive proposition. Not only is the mortgage payment expensive, but there is always something that needs fixing. Maybe the roof will spring a leak. Maybe the plumbing wil spring a leak. Maybe the water heater will need to be replaced. Maybe a tree in your yard will fall, or maybe it'll need to be removed. All of this stuff requires money. So does your homeowner's insurance. So does the gas and electric bill, which is only going to go up (even after the huge increases we experienced, this year). So do taxes. The key to being able to afford a house is to actually be able to afford the house. That means that your mortgage payment, and the payments on all your other debts (credit cards, car loans, furniture loans, student loans) COMBINED should not be more than 35% of your income, AT THE MOST. If you're paying any more than that, to service your debt, you are vulnerable to changes in interest rates or minimum payments on your credit cards, or emergencies that cause you to have to spend more money (doctor bills for the kids, for example). Best of luck, whatever you decide.
Feel free to email me and I will send you info on the company we went thru. We were in the exact same situation. I was online and found a company that would do a lease with the option for us. We got to pick out the house of our dreams and they bought the house for us and we pay them "rent" every month. We can do whatever we want to the house and in 2 years we find our own financing and buy the house from them. It sounded too good to be true but it is wonderful. Everything in our area is getting sooo expensive and we are happy to have locked in our purchase price now!! If you want any info email me and I will get you the website and phone number.
Depending on where you live there are all sorts of programs that can assist. What I would do right now is contact a mortgage broker and tell him you want to look into housing. They will run your credit and give you advice on what to do and how much money you should have for a down payment. He can also hook you up with a real estate agent (or vice versa). The real estate agent will be able to tell you what programs are offered in your state. In Missouri they have 20% or 20,000 down and they take care of the closing cost, this is for first time buyers that qualify for the program. My daughter is looking at buying her first home and our neighbor who is a real estate agent looked up the programs and hooked her up with a broker. It will still take her about nine months but then she should have all her ducks in a row
It depends on your credit, how much you can get approved for and everything else. My husband and I are in the process of buying a house and there is a lot too it. You might want to check with HUD and see if they would be able to help you out. good luck
The only 100% mtg, is Athens-Clarke or HUD, but even then you must pay Closing cost- you might find a Hardship type mtg, thru FHA or HUD to lower the downpayment, -