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verypolish1 asked:


I tried to sell my home for 9 mos., its very small and there are a lot of choices because of the market. Can’t drop the price without being upside down on my loan due to closing costs, commissions. I am up to date on the mortgage, the house is vacant, I had renters but they had to break lease due to relocation and it was a bad experience. I don’t want to rent it again, tenants won’t take care of it the way they should. Don’t need the headaches of being a landlord. I just want to get rid of the house without paying money at closing that I would have to borrow. I only have $10k in equity due to the dropping prices. That would cover my closing costs on my asking price. I want to get rid of it without injuring my credit or borrowing money sending me further into debt. I want to move on with my life and be free of this albatross. I have moved into my fiance’s house.
Help.
Thanks

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DIVA asked:


My husband only has one bad thing on his credit a judgment for a credit card about 8,000 dollars…all the other lines of credit including cars that have been paid off he is paying one now everything up to date just one card…………..could he possibly qualify for a home loan? this would be the first house.
But is just one line of credit that went bad and all the others current and up to date…is that credit card stii considered oh and the card went bad 4 years ago, the reson it went bad the interest went up to a ridiculous 38.9% at the time we owed only 3,000 now with all of their fee’s it about 8,000

NEED MORE MONEY asked:


I have bad credit I need a loan to purchase property. I have 2 properties that have been super for rentals and want to buy them. But how with bad credit?

myboys asked:


hi, I have never had a home loan before and my husbnd and I have been looking around lately at homes for sale. I have found the house of my dreams but unfortunatly Im unable to get a loan of any type due to bad credit. The loan person at the bank said to try back in 6 months because we just paid off 2 credit cards that were in delinqent standing. I cant wait 6 months the house will for sure be gone by then! The realtor is also the owner and he offered if we couldnt get a loan to call him back and he would be willing to let me buy it on contract. What do you think? Is this a good idea? What should I look out for? He personally has never lived in the home, he flipped it, and now everything is brand new! I’m very excited to move forward with the contract option but should I? Please help!