My family and I fell on hard times when my husband was diagnosed with a un removable brain tumor (though not cancer) and lost his job in 2003. Technically he is unable to work due to problems associated with the tumor, but disability says that he’s not so bad off he can’t work. He’s tried to find many jobs and even applied to places like burger king, walmart and mcdonalds and was unable to be hired. I worked two jobs but couldn’t pay the $1000 mortgage and so we sold the house we had for less than it was worth to a company who kept it from being in foreclosure and on our credit. Still we were paying off credit card bills through Credit consolidation and I couldn’t pay them anymore. We have around $10k in cc debt following us around at the moment. A run down trailer was given to us and we have been here for the past three years but it is falling apart and we can’t stay here due to sanitary issues. I have two small little girls and they are begging to stay with grandparents to get out of this place. Simple fact is we must move! My husband and I have started our own businesses and make enough to pay a small mortgage fee so we are looking for a house in KS or MO for around 40,000.00 or less that needs some fixing up. I don’t know of a place that will help us with our credit as horrible as it is.
Any suggestions for places to help us get a small home loan on horrible credit is more than appreciated.
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The more you can put down the better your chances of getting some kind of loan will be. Mind you because of your credit you’ll still be hit with high interest rates. That’s the least of it, the bigger problem is that you have existing credit card debt and if you can’t pay off the $10K you currently owe, lenders will be reluctant to give you more. I’m sure you can understand this.
Until you fix your credit and can save for a down payment, don’t buy a house just yet…rent. Find a decent place for you and your girls until things get better.
Try look on http://www.realtor.com for both homes and rentals.
You may be a good candidate for one of the federal mortgage programs. Start by contacting one of the HUD-funded housing counseling agencies that can help you sort through your options. Also, contact your local government to see if there are any lochome-buyingying programs that might work for you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can’t find it, contact your mayor’s office or your county executive’s office.
Also, since all of your debt is credit card debt, I would drop the credit counseling program… that could take you 15 years to complete and they only negotiate down the interest and not the principle balance. I recommend debt settlement because it is the shortest term program (12-48 months) and your payments should go down even more. Also, if you are unable to make a payment or will be late taren’tre’nt any penalties… the term just extends the amount of time late. You can learn more about debt settlement through the resource below.
I know of a company that approves 50-55 percent of the applicants.
They don’t charge upfront fees either:
contact: http://www.jensden.com/g.o/autoprt