Buying a home with less-than-perfect credit
Just because your credit score isn’t ideal doesn’t mean you can’t finance a home. Consider these options:
- The FHA offers affordable financing to first-time buyers and others with less than a 20 percent down payment. Those who qualify may pay as little as 3.5 percent down.
- The VA, USDA and Navy Federal Credit Union are three government-related lenders that offer mortgages with as little as zero down. The VA serves veterans and family members; the USDA typically serves buyers in rural areas; and the Navy Federal Credit Union serves military personnel and their families, as well as some government employees.
- A parent, other relative or friend (who has good credit and is willing to take on the responsibility) can co-sign your mortgage loan.
- Some local and state agencies sponsor assistance programs. For more information, visit websites such as com and Neighbor Works . Org
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Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES,MASTERS CIRCLE, Earth Advantage Broker, Diversity Specialist-HOWNW, CSA-Certified Staging Agent, Oregon First, Washington First
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