I am trying to get a house and it is hard because I have bad credit but I have bad credit and I am in need of a loan and everybody is turning me down, I just need help someone please help me or give me a website that will help me out.

Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.

Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.

You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:

http://www.axalda.info/bad-credit-mortgage.html

Sorry in todays market credit has become extremely tight and without a substantial downpayment it is not going to happen. Subprime market has been cut off completely, Alt-A almost cut off and prime is getting tougher.

You have bad credit because you have a history of not paying bills.

The only way to overcome this is to increase your downpayment. If you put 25% or more down you have something to loose (since you already decided to loose your good credit) and banks are a little more trusting.

bad credit report will prevent any legitimate loan company from approving a loan. Good luck

I wouldnt do the loan thing and the more people u have check ur credit the lower ur score goes. If u cant afford to do it then get an extra job or dont do it. Maybe the time is not right. I think if something is meant to be it will work itself out.

got to fix your credit first... first get a copy of your credit report. then contact each company and work out arrangements.

try less conventional methods such as a private mortage or lease to own you'll take a bit of hit but such is life

Wow, this is a tough question. Though it will always be more difficult to obtain a loan for a less than perfect credit holder, there are a few things that you can do to improve you chances of being accepted.
They are things such as having held a steady job for about 2 years or obtaining the money for a down payment.
Pretty much all the bank wants to make sure of is that you will be able to make your payments.


A blog that I frequent has two articles that I have found veyr helpful in this field.

One is titled: "Finding a Bad Credit Home Loan" it's link is http://www.finance-your-life.com/?p=28

The other is called "Home Loans with a Low Credit Score. The link to this one is http://www.finance-your-life.com/?p=27

It really has some good information on where to start!

Happy Monday!

Wow, this is a tough question. Though it will always be more difficult to obtain a loan for a less than perfect credit holder, there are a few things that you can do to improve you chances of being accepted.
They are things such as having held a steady job for about 2 years or obtaining the money for a down payment.
Pretty much all the bank wants to make sure of is that you will be able to make your payments.


A blog that I frequent has two articles that I have found veyr helpful in this field.

One is titled: "Finding a Bad Credit Home Loan" it's link is http://www.finance-your-life.com/?p=28

The other is called "Home Loans with a Low Credit Score. The link to this one is http://www.finance-your-life.com/?p=27

It really has some good information on where to start!

Happy Monday!