We are not extremely interested in your past credit status. Your ability to make reasonable monthly payments and your desire to be a homeowner now is what is really important to us.
Consider these questions before making a choice between adding on to an existing home or moving up in the market to a bigger house:
The more you know about a seller's motivation, the stronger a negotiating position you are in. For example, a seller who must move quickly due to a job transfer may be amenable to a lower price with a speedy escrow. Other so-called "motivated sellers" include people going through a divorce or who have already purchased another home. Remember, that the listing price is what the seller would like to receive but is not necessarily what they will settle for. Before making an offer, check the recent sales prices of comparable homes in the neighborhood to see how the seller's asking price stacks up. Some experts discourage making deliberate low-ball offers. While such an offer can be presented, it can also sour the sale and discourage the seller from negotiating at all.
Making your home look as nice as possible may seem obvious. Apparently, it's not, because many sellers don't do much beyond vacuuming the living room rug and maybe cleaning the ring off the bathtub, says George Devine, in "For Sale by Owner," Nolo Press, Berkeley, Calif.; 1993. Short of spending a lot of money, Devine offers several steps people can take to make their home show better:
You can't through conventional lenders, but you can with our help. We can setup owner financing or by creating Rent-to-Own situations to help improve your credit over time. We also work with mortgage brokers who may be able to arrange a loan for you.
All we need is your application. You can even fax it to us for fast processing! We will then contact you within 24 to 48 hours once we are able to verify your income and employment. Please keep in mind that our homes go quickly, so time is of the essence.
