re: No credit, First time home buyer

Quoting Tat'd Bitch+3:" <blockquote><b>Quoting Rydicule91:</b>" I am in the same boat. Get ahold of a realtor. ... [snip!] ... Good luck!"</blockquote> I don't have a bank :/ No money, No bank. Back pay for child support/disability & taxes."

Well, you'll need a checking account regardless.

Quoting Tat'd Bitch+3:" <blockquote><b>Quoting Rydicule91:</b>" I am in the same boat. Get ahold of a realtor. ... [snip!] ... Good luck!"</blockquote> I don't have a bank :/ No money, No bank. Back pay for child support/disability & taxes."

You need to pay off your debts.
Establish yourself with a bank.
Establish your credit.

Do you and your SO have a solid, stable employment record?

<blockquote><b>Quoting Crystal Marie S.:</b>" If you're really into the Land Contract type thing, go into a Realtors office and tell them what you're ... [snip!] ... there empty. So the Realtors can call around and ask the home owners if they'd be interested, even if at first they weren't."</blockquote>




Ive found a few houses. They need work, but decent. We really want a 3br. Most we find are 2.

The last one I looked at was a Older home, looked really crappy really needed new floors, ceilings, 2 br, small everything. They wanted 2K down & like $360 a month.

No land & on a corner lot. :/

Quoting Tat'd Bitch+3:" <blockquote><b>Quoting Crystal Marie S.:</b>" If you're really into the Land Contract ... [snip!] ... needed new floors, ceilings, 2 br, small everything. They wanted 2K down & like $360 a month. No land & on a corner lot. :/"

Do you have a lawyer?

<blockquote><b>Quoting speaktruth2powr:</b>" You need to pay off your debts. Establish yourself with a bank. Establish your credit. Do you and your SO have a solid, stable employment record?"</blockquote>




I dont, I've always been a stay at home mom. Other than a few jobs lasted a month or so, back when I was with my ex. But SO has good work history.

<blockquote><b>Quoting speaktruth2powr:</b>" Do you have a lawyer?"</blockquote>




No?

Quoting Tat'd Bitch+3:" <blockquote><b>Quoting speaktruth2powr:</b>" You need to pay off your debts. Establish ... [snip!] ... been a stay at home mom. Other than a few jobs lasted a month or so, back when I was with my ex. But SO has good work history."

To be honest, it doesn't sound very promising right now.

I would find a job, even part time. Pay off your debts and build your savings.

<blockquote><b>Quoting speaktruth2powr:</b>" To be honest, it doesn't sound very promising right now. I would find a job, even part time. Pay off your debts and build your savings."</blockquote>




I would love to have a job, but SO says no... And LO is special needs & I have to be on call 24/7 when she needs me.

Quoting Tat'd Bitch+3:" <blockquote><b>Quoting speaktruth2powr:</b>" To be honest, it doesn't sound very promising ... [snip!] ... I would love to have a job, but SO says no... And LO is special needs & I have to be on call 24/7 when she needs me."

Then the best thing to do is to pay down your debts, save your money and establish your credit.

Quoting Tat'd Bitch+3:" Pay thousands for what our ex's done to us...nah."

Thennn find somewhere you enjoy renting. You can't buy a house with smurffy credit and no money, period. Won't happen. Maybe start buying lottery tickets  

<blockquote><b>Quoting Mrs. Reynolds:</b>" Thennn find somewhere you enjoy renting. You can't buy a house with smurffy credit and no money, period. Won't happen. Maybe start buying lottery tickets  "</blockquote>




We will have money once child support & disibility starts, it's just until then.

And we will HAVE to move soon anyways. The house we currently rent is for sale.

Can you save up 20%+ of the houses you are looking at with disability and child support?

<blockquote><b>Quoting Tat'd Bitch+3:</b>" And we will HAVE to move soon anyways. The house we currently rent is for sale."</blockquote>


Well if you don't pay off any old debts and raise your credit then you won't be able to buy one, unless you have the entire cost of the house in cash lol
You will NOT get a loan. Period. Doesn't matter if those debts are there from exes or not. The bank doesn't care.

Yeh all my debt is medical smurf   Doesnt change anything, heartless bastards...LOL