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Will I ever be able to buy a house of my own

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tam quarles
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Subject: Will I ever be able to buy a house of my own
 
Posted on Sun Nov 09, 2008 9:55 am  

I have the worst credit. Have never even tried to buy a house and even the smallest of homes I could call my own would be a life long dream come true. Can anyone help me. I have rented for years and can provide 10 years worth of references that I have never failed to make a payment
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Sun Nov 09, 2008 12:20 pm  

TAm, we would need alot more information than what is listed here. For example How does your credit record look? Do you have a lot of negative listings? defaulted on alot of bills? Any bankruptsy? So much goes into your credit score and if you want to give us more info we can help you in guiding you through cleanong up your report (if possible) and help give you suggestions on building your credit. Now also did the people you rented from reprot your monthly payments so they showed up on the positive side of your report? Have you pulled your credit report? I know its a lot of questions but this is things we need to know in order to help you. If you haven't pulled your report start here:www.annualcreditreport.com. It costs nothing and your get three FREE peeks at your credit report a year.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



541 Magic Points

 
Posted on Sun Nov 09, 2008 2:34 pm  

Tam,

I first off suggest that you get involved in two forums here, this one and the mortgage one that you can access at the top.

Register on both so that you can track your progress and make a few bucks while doing it.

What is your credit score? Have you pulled your free reports offline on the credit reporting agencies yet. You will want to do that so that you can see what is keeping your score down. Pull them and print them so that you can start and track your progress.

Once you pull these come on back and let us know what is on there and we can further advise you on what to do so you can start raising your score, thus making homeownership loan possible.

Hope you come back and register and let the members here assist you.
_________________
Goodnatured,
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Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1238



28944 Magic Points

 
Posted on Mon Nov 10, 2008 6:30 am  

Hi Tam
As far as I know, credit score do not depend on the timely payment of your rentals since your rental payments are not shown in the credit report as they are not considered as debts. However, if you default your rentals and the landlord reports it to the credit bureaus, it will get listed in your credit report. Now credit score depends on your repayments on your existing loans and credit card debt. This repayment history constitutes 35% in your score and if you have been delinquent on these areas of loans then it will be listed in your report and your credit score will reduce and you will not find anyone to offer you a loan at an attractive rate of interest.
_________________
All the Best Smile
Justin
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Mon Nov 10, 2008 6:38 am  

Hi tam
Justin is right, but since your credit is not good and in spite of the fact you wish to have your own house, then you can go for FHA loans. You can have FHA loans with a low credit score. However, you need to make a down payment of 3%. Moreover, you can pay off the loan in a 15 to 30 years time period. You can call FHA at 1-800-569-4287.
_________________
Keep in touch
Carol
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



541 Magic Points

 
Posted on Mon Nov 10, 2008 7:06 pm  

Great advice Carol, hopefully he will be able to get a loan that will fit his needs.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Mon Nov 10, 2008 11:27 pm  

I like it when there are some kinds of options like this available to people with low credit scores whom are renting. I see this as throwing away money every month to something you will never own. Others may see it differently but most rent you can not find below $500 and thats pretty much a payment on a mortgage.
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