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Anybody in real estate?
Ms Sans Serif
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[quote:Anonymous Coward 4555299:MV8yMDY3OTQ5XzM0Nzk2MDc4XzY3MDgwNkQ4] Not a Real Estate Agent here but have been through the process several times. First of all, I cannot imagine anyone wanting to be a home owner at this particular time because of economical and other reasons (Fiscal cliff, Tax increases or loss of home owner deduction), etc. Much better to hold tight and rent untill things get better. If really firm on wanting to own then you might consider buying a house that is headed for foreclosure. Motivated sellers there. Another option would be to buy a foreclosed house for 10-15 thousand and spend the rest of your savings putting it back in livable condition. Most have been vandalized (copper plumbing, wiring, air conditioner unit, etc.). Things to think about. [/quote]
I officially now have $30,000 saved up to buy a new home howeber I have very little credit. I only have one Visa card that I've had about 2 years. I get many offers in the mail just havn't followed up on getting a second one yet.
But If I'm looking for homes priced around $60,000 to $80,000 and put up around $20 to $25,000 for a downpayment (including closing costs) does my credit score really matter? My goal would be to have my morgage around $350 a month or cheaper. I take home after taxes about $1,400 a month.
First time home buyer so any help GLP can offer I would greatly appreciate it.
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