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Old 09-13-2007, 06:17 AM
 
1 posts, read 2,496 times
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So here is the deal,My husband and I have 5 children,One of our boys is disabled,To make a long story short he destroys our house,We are now renting which doesnt work out real well with his problems.We desperately want to buy a home partly because of this issue and partly because with our family size it is extremely hard to find a house big enough for our family within our budget.Now in a perfect world we would have great credit and tons of money to just buy a home and be done with it,however,neither stands true.My husband makes decent money so we could afford a mortgage but we cant seem to find a way to purchase a home without a huge down payment.I have done countless online research and have come up with very few options,If anyone has any thoughts or advice on the subject please share.I am concerned we will be kicked out of another house because of the damage my child does.(Example) Breaking windows,holes in walls.other such things)
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Old 09-13-2007, 01:21 PM
 
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What kind of credit score are we talking? In the 600's? $0 down loans are availble at attractive rates. You need to go see a reputable lender to find out exactly what your options are (as opposed to online research).

You should also look into 1st time homebuyer bond programs in your area.
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Old 09-13-2007, 01:52 PM
 
Location: Columbia, SC
6,621 posts, read 14,109,853 times
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If you want to buy a home in the city of Columbia you should speak to the city housing office. They have programs to assist people with buying a home that may not otherwise be able to. Call them at 803-545-3373.
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Old 09-14-2007, 07:37 PM
 
Location: Columbia, SC
9,044 posts, read 17,982,723 times
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Your 2 best options are going to be state housing loan with up to 5,000 down payment assistance and below market interest rates (unless your husband makes too much money, you should be a lock with a special needs child) or a rural loan if you are in an area that qualifies. There really aren't any loans that don't take credit scores into account but both programs I mentioned are more lenient. Give me a call at 803.528.3336 and I'll get you in touch with a state housing lender. They can run over the programs available.-Brandon
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