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Bad credit but first time home buyer

by Ibbetsonmichael912 from Irvington, New Jersey. Oct 23rd 2014 Reply


You will be surprised at the number of programs out there. Additionally, there may be some simple fixes to put you in position to qualify if you don't already. I am happy to help, please feel free to call or email me. Cgee@perennialfunding.com 610-233-0098.

Oct 23rd 2014
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,917 contributions

Everyone's version of "Bad Credit" is different.. for this reason, credit companies have scoring models that show the likelihood of you defaulting on a loan.. (Credit Scores)... But the credit score is just one of numerous things a lender looks at when determining one's eligibility.. If you want to know for sure what you might qualify for, then the best advise I can give you would be to contact a LOCAL mortgage broker and apply with them. Once they see your complete profile, they can advise you properly.. Typically, this is done at no cost to you and can take as little as 15 minutes.. If you cannot buy now because of credit deficiencies, then your local broker can help you get in a position to where you can get approved in the future. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Oct 24th 2014
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Christina Hayes (CreditRepairExpert)
#8 ranked lender in Tennessee - 68 contributions

Before you contemplate purchasing a home, you need to look at your credit and know your scores. Why do you have bad credit? What is holding your scores down? I offer credit restoration, if you'd like help please get in contact with me. Thank you.

Feb 20th 2015
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