Showing posts with label Buying a Home With Bad Credit. Show all posts
Showing posts with label Buying a Home With Bad Credit. Show all posts

One Last Chance for D.C.'s $495 Course for FREE!

Virtual Short Sale Investing is back for 36 hours only-- One Last Chance for D.C.'s $495 Course for FREE!

Since D.C. shut the doors Sunday night, many people have asked how they can get his new $495 Virtual Short Sale Investing Blueprint and DVD Course for FREE.

D.C. decided to give you one last chance if you didn't get your hands on it before because he knows what an impact it will make on your life.

He knows this because of the impact it has made for him.


Today at 12 noon EST, D.C. is re-opening the doors for you to get a copy...
but you only have 36 hours, until tomorrow night at midnight when he shuts the doors for good.





This is your opportunity to take advantage of the FLOOD of pre-foreclosures all across the country
while all the deals are done for you and you make all the money.

You’ll discover...

  • How to instantly have a team of People in place that do all of your deals for you while you never have to leave the comfort of your own home.
  • How to acquire beautiful luxury homes in pre-foreclosure with no money down, no credit needed, no monthly payments and no marketing costs.
  • The safest way to buy houses using none of your own money or credit.
  • Why virtual short sale investing is the easiest, most profitable NO RISK strategy in today’s market.
  • You don’t need any experience because you are leveraging the experience of everyone in your network.
  • And so much more...


These are the very same strategies that D.C. and his students use to make an average of $143k per deal. Now they’re yours at no cost. (Just pay a small shipping and handling fee to get it sent directly to your door.)

If you are still doing short sales the old way, you are wasting your time. D.C.'s Virtual Short Sale investing has completely changed the way short sales are done!

All the work is done for you so you can have more time off to do what you want, whenever you want.


Claim yours now... http://bit.ly/Pp7Ep


There's only 36 hours left to get D.C.'s new $495 Virtual Short Sale Investing Blueprint and DVD Course for FREE! Don’t miss out.

http://bit.ly/Pp7Ep
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FREE WEBINAR TONIGHT-- The Secret to Making an Extra $25K on Your Next Short Sale Deal

You heard it right!

On tonight’s webinar, DC is paying you $25,000 to use his system to become a Virtual Short Sale Investing Millionaire.

This is unheard of and nobody else has the Guts to do it except for DC.

Not only is he going to partner with you, DC is also going to pay you $25,000!
Link
To get all the details, attend one of his training webinars tonight.


Click Here to Register


3 things you must know about this breakthrough NEW short sale technique:

1. 100% of the Deals are done for you.

2. You spend absolutely ZERO dollars on advertising which is one of the reasons why investors fail in the short sale business.

3. You can do this business from the comfort of your own home without absolutely Zero cash, bad or non-existent credit and no previous experience


On the webinar, you’ll discover the other 4 reasons why investors fail with short sales in today’s market so you can avoid making any mistakes and make more money faster.


Go Here to Register Now!


This is the Last night for the webinars. After tonight, DC is done and the doors
will be closed for your opportunity for DC to partner, negotiate and fund 100% of your deals.

Take your financial future in your hands and join him tonight on the webinar.

There will Not be a replay of this webinar and tonight is the last night DC is doing them so don’t miss out.

Click Here to Register


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Take Advantage of this Economy!! FREE Preforeclosure Training Program!

It is projected that right now may be the best real estate market for foreclosure investing that real estate investors may see in their lifetimes.

Short sales are abundant, there are unprecedented numbers of motivated sellers, and experts will tell you that most real estate wealth is created in a buyer’s market, just like at the present time.

The time is right to really learn the business of real estate and the business can be made even easier when it can become virtual.

D.C. Fawcett has helped make that happen for real estate investors with the Virtual Short Sale Investing System.

Here’s your chance to get your hands on the Virtual Short Sale Investing System (A $495.00 value) including exclusive membership to the Virtual Short Sale Investing VIP Coaching Club.

And the best part is…It’s FREE…

(Just pay shipping and handling for the Virtual Short Sale Investing System.)

Get it Here Free!

When you get the system, you’ll discover:

100% of the Deals Are Done For You!

All of your short sales are acquired on autopilot without ever spending a dime on advertising!

This is the biggest opportunity to leverage the current foreclosure market that exists...period!

You can do deals in every part of the country without leaving the comfort of your own home.

You don’t need any cash, credit or previous experience to get started immediately.

The old way of doing short sales in DEAD!

We only have 1000 copies…so you must act quickly…

Click here now for more information!

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Hurry and Get Your FREE Real Estate Investing Course!

Today at 12 noon EST my friend, D.C. Fawcett is releasing his new $495 Virtual Short Sale investing Blueprint and DVD Course.

To get your copy FREE -- CLICK Here...

This is your opportunity to take advantage of the FLOOD of pre-foreclosures all across the country while all the deals are done for you and you make all the money.

You’ll discover...

  • How to instantly have team of People in place that do all of your deals for you while you never have to leave the comfort of your own home.
  • How to acquire beautiful luxury homes in pre-foreclosure with no money down, no credit needed, no monthly payments and no marketing costs.
  • The safest way to buy houses using none of your own money or credit.
  • Why virtual short sale investing is the easiest, most profitable NO RISK strategy in today’s market.
  • You don’t need any experience because you are leveraging the experience of everyone in your network.
  • And so much more...

These are the very same strategies that D.C. and his students have used to make an average of $143k per deal. Now they’re yours at no cost. (Just pay a small shipping and handling fee to get it sent directly to your door.)

If you are still doing short sales the old way, you are wasting your time. D.C.’s Virtual Short Sale investing has completely changed the way short sales are done!

All the work is done for you so you can have more time off to do what you want, whenever you want.

Warning: D.C. only has 1000 copies of his Blueprint and DVD Course. Grab yours before their all gone!


CLICK Here to claim yours now...


This is your chance to take advantage of a once in a lifetime window of opportunity. Don’t miss out.


Read more on this article...

Start the New Year With a New Home!

Mortgage Rates are Falling Again!

This is a great time to buy a new home. It's a buyers market and interest rates are dropping.

According to CNNMoney.com, "The New Year has been good to mortgage interest rates so far. Rates are hovering at 5.00% these days. This is just the beginning because the Fed just started buying mortgage papers from Fannie, Freddie. Today the Feds bought $10.2 billion worth and they have a target of buying up to $500 billion by the middle of 2009."

It's not easy to qualify for bank loans right now if you have bad credit, but there are still ways you can buy your own home. Check out my website at http://I-can-buy.com now to find out more. Read more on this article...

Every Problem is an Opportunity!

Has the economy got you down? Remember that every problem is an opportunity!

I saw a great quote from Darwin Romero's blog the other day. He said, "As many of you know the real estate market is going through a period of turmoil and uncertainty right now, but one thing is certain in every real estate market there are winners and there are losers. So where do you want to be-- in the winners circle or the losers circle?

Grasp the opportunities in front of you and don't let today's problems be your downfall tomorrow."

There are some great opportunities out there in real estate right now, especially if you have poor or bad credit. This may be the best time ever for you to purchase your own home. To find out how go to http://I-can-buy.com now for free information. Read more on this article...

You Can Buy a House!

It is possible to buy a house, even if you don’t have perfect credit or a huge salary. Don’t listen to the others who have told you that you’ll never be able to buy. There are many options available to you. Not all of them will be for you, but one of them may be just right for you now. Maybe one will be right for you later. But don’t give up. Keep a positive attitude and keep trying.

I’ve written this book to give you hope and get your creative ideas flowing. If you can’t get a conventional loan, you will need to get creative. And I have some creative ideas for you to consider.

There are also many different nonprofit and community organizations that you can go to for help. This is a great time to get into a home of your own. It has never been easier.

Mary and Jake were told by a real estate agent and mortgage broker that it would take them 5 years or more to clear up their bad credit report enough to be able to buy a house. But, by using one of the methods in this book, they were able to buy a house within 3 months of talking to the real estate agent.

And what is amazing is that once you have a house, your credit gets better! You are making regular payments and you now have equity in a house instead of rent. Next time you buy, if you decide to sell your home, it will be even easier.

It is possible for anyone to do. Some of these ideas are secrets that investors have been using to get rich for years. But why should the rich and the investors know all the secrets. I wanted to make some of these creative ideas available to anyone who wants and needs to get out of the rent trap and into a home of their own.

I've watched countless others get into houses when they had bad credit. And I know how it works from personal experience because my husband and I have been where you are. We never thought we’d be able to get our own home, but we did it! And you can too!

Are you ready to get started? Go to I-can-buy.com and check out the free online e-book, "Buying a Home When You Have Bad Credit."


By Alexis Dey © 2006 Mohave Publishing. All rights reserved. This article may be freely copied as long as it is not modified and this resource box accompanies the article, together with working hyperlinks. Read more on this article...

Behold the Power of the Lease Option

Here is a good article about lease options. It is aimed at investors, but if investors know the power of lease option, you should too! For more FREE information on how to buy a house when you can't get a loan because of bad credit, go to http://I-can-buy.com now!


If you are an investor that sells properties using lease options you no-doubt understand why it can be an appealing avenue for those that need rental history and/or rent credits to help a challenging credit file. But, would YOU consider buying a property using a lease option? You better!

There is a reason that some of the most successful real estate investors, including Donald Trump, use the lease option technique (ok, there are actually several reasons!).

Appreciation: One of the typical advantages of controlling a property using an option is that the buyer retains the right to capture some, if not all, appreciation during the term. The longer the term, the greater the appreciation can be. In the single-family arena, where terms are usually 12-24 months, even moderate amounts of property appreciation can add up. For the buyer, especially, every percentage point of appreciation counts. And, if you're nice enough to offer (or get) a 24-month term in a market increasing at 3% annually, $6,000 on a $100,000 property is significant.

Principle Pay Down: If an option is accompanied by a lease the possibilities are greater for increased equity build up. By applying a portion of the monthly lease payment amount to the purchase price of the property one has the opportunity to widen the gap between the market value and the loan amount. Depending on whether the monthly rent amount is inline with market rates...this is free money! A 30-year amortized, $100,000 loan at 7% begins at approximately $82 per month of principle payments. A $100 per month rent credit beats that, dollar for dollar, every month for almost 3 years!

No New Loan: Possibly the most noteworthy advantage of using a lease option in the residential market is that when the Optionee begins the purchase process no "new loan" is required. The prerequisite for this may be working with the right and informed mortgage broker but is usually easily accomplished through a refinance. This can mean no additional out-of-pocket monies for closing.

No Down Payment: I know what you're thinking, "I would never offer such a thing!" You don't have to. As a real estate investor rich in tools to find motivated sellers, you could get your next home using this lease option technique with no money down. You don't have to tell the seller that an option fee may be customary!

When you add it all up the numbers are hard to resist, so don't try! If you're in the market for a new (or new to you) home, use your own strategy against you!


John Long, President of Long Acquisitions, Inc. The company is located in Wilmington, NC and has been in business since July of 2001. Our company is averaging 8 to 12 homes per month. Soon we will be averaging up to 40 transactions per month.

http://www.changeyourlifewithrealestate.com/

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For more FREE information on how to buy a house when you can't get a loan because of bad credit, go to http://I-can-buy.com now!
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No Credit Required Options - The” Subject To” Technique

If you still can’t qualify for a loan, or would just prefer not to, here is one of the basic methods for buying a house with no credit check required. This is one of several popular methods for buying with no credit check, and is used by home buyers and sellers everyday. For more ideas on how to buy a house when you can't get a loan, check out our website at http://I-can-buy.com.


There is an investor technique out there called “subject to” or “sub 2.” In this technique the investor will find an owner who is totally distressed and ready to lose the property, but it has not gone into foreclosure just yet. At this point the investor involved makes up the back payments, takes over the regular payments for the seller, and gets the deed to the property. The loan stays under the old owner’s name. The investor gets the property and can do whatever they want with it-- rent, lease-option, or sell it.

The name comes from the contracts they sign (a “subject to” purchase agreement) that says the buyer gets possession of the home and will be making future mortgage payments.

This may be great for the investor, but the loan liability stays with the seller until the house is sold and although it is not strictly illegal, it is a breach of contract because it leaves the bank or mortgage loan holder in the dark. Most loans have a “due on sale” clause, so the bank can call a loan due when ownership of the home changes. That means that investors who do this kind of “assumption” take the risk that the bank will find out, and ask for all the loan money right then and there. If the buyer does not have the money, the house will go into foreclosure. This may not be likely if the payments are made, but it is risky and according to many, not ethical.



This has been an excerpt of the book by Alex Dey called Buying a Home When You Have Bad Credit. This is a free ebook that can be found on our site at http://I-Can-Buy.com.


Buying a Home When You Have Bad Credit is written by Alexis Dey, Copyright © 2005-2006 Mohave Publishing. All rights reserved. This book is protected by international copyright law. You may not otherwise resell, reproduce, distribute, publicly perform, publicly display, or create derivative works of this material, unless authorized by Mohave Publishing. Read more on this article...

No Credit Required Options - Pick up an Assumable Loan

If you still can’t qualify for a loan, or would just prefer not to, here is one of the basic methods for buying a house with no credit check required. This is one of several popular methods for buying with no credit check, and is used by home buyers and sellers everyday. For more ideas on how to buy a house when you can't get a loan, check out our website at http://I-can-buy.com.

Sometimes a seller has a home loan that is assumable with no qualifying, which means that anyone can buy the house and take over the loan with no credit check. Keep an eye out for these. The majority of loans are not assumable, which means the buyer must apply and qualify to pick up the seller’s loan. It is about the same hassle and fees as applying for a new loan.

If you find someone who has an assumable loan, definitely check into it. The big questions are: what is the assumption rate (usually one point) and what is the loan interest rate? Hopefully low, but if not, you might still seriously consider it. You would probably have to pay higher rates to get a loan through a bank if you have bad credit, anyway. Remember that you will most likely have to give up something (price, terms, location...) to get something (a house with no credit check.)

To find assumable loans look for older FHA and VA loans. Veterans Administration guaranteed loans that originated before March 1988 and FHA loans originated before December 1, 1989 do not contain a “due on sale” clause and are fully assumable without qualifying. Unfortunately these are getting harder and harder to find. Many sellers have refinanced their loans since then, to take advantage of lower interest rates. Also, since the loans are so old, it takes a lot more money to put down and/or finance to finish the purchase. If you do find one of these, perhaps you can use one of the other techniques in this book to finance the rest of the purchase price.


This has been an excerpt of the book by Alex Dey called Buying a Home When You Have Bad Credit. This is a free ebook that can be found on our site at http://I-Can-Buy.com.


Buying a Home When You Have Bad Credit is written by Alexis Dey, Copyright © 2005-2006 Mohave Publishing. All rights reserved. This book is protected by international copyright law. You may not otherwise resell, reproduce, distribute, publicly perform, publicly display, or create derivative works of this material, unless authorized by Mohave Publishing. Read more on this article...

No Credit Required Options - The 30/70 Rule

If you still can’t qualify for a loan, or would just prefer not to, here is one of the basic methods for buying a house with no credit check required. This is one of several popular methods for buying with no credit check, and is used by home buyers and sellers everyday. For more ideas on how to buy a house when you can't get a loan, check out our website at http://I-can-buy.com.

The 30/70 rule says that anyone can get a loan with enough money down. Often a bank will give you a loan no matter what your credit is, if you are able to put up at least 30% of the value of the home as a down payment.

The reason for this is that the bank has less to lose if you walk on the loan.They can probably get most or all of their money back if they have to sell the house. Plus, they know when you invest that much, you are less likely to walk away from the house, so it is a better risk for them all around.

You may be talking about a pretty high interest rate on the loan, because the bank may still be worried about the poor credit rating, but you do have the option of refinancing later on. Friends of mine, Rob and Melody, moved to town and needed a house. Because Rob was a pastor who wanted to start a new church, he and Melody had no current income and their past income was not steady. They did have a lot of equity in the home they had just sold. So they were able to find a loan, despite their situation, because they had at least 30% to put down. The interest rate was high, but after two years of good payments, they were able to refinance the loan at a much better rate.


This has been an excerpt of the book by Alex Dey called Buying a Home When You Have Bad Credit. This is a free ebook that can be found on our site at http://I-Can-Buy.com.


Buying a Home When You Have Bad Credit is written by Alexis Dey, Copyright © 2005-2006 Mohave Publishing. All rights reserved. This book is protected by international copyright law. You may not otherwise resell, reproduce, distribute, publicly perform, publicly display, or create derivative works of this material, unless authorized by Mohave Publishing. Read more on this article...

Buying Real Estate on Ebay

I found this article and it reminded me of another way to buy real estate without needing a conventional home equity bank loan. This article is about selling real estate, but maybe it will get you thinking of ideas for buying homes too. For more free ideas on how to buy a house when you have bad credit, check out our website at http://I-can-buy.com.


Selling Real Estate on eBay

by: Dan Farrell

Selling real estate over the internet may sound like an awkward idea. However, the exposure the real estate receives over such a widespread media like the internet is every realtor’s dream.

Can eBay be used to market real estate? The answer is a resounding ‘yes!’

eBay provides functionality that is clearly adaptable to the needs of most realtors. It provides a widespread medium of advertisement for the real estate. It is also a relatively inexpensive method of advertising.

One of the best things about selling real estate on eBay is that it "markets" to many areas around the world, not just a local area. Advertising on eBay makes the property available to more than 100 million potential buyers, including those from other countries. Visitors can browse through the property details 24 hours a day, 7 days a week – all without the realtor having to explain the details about the property to every single prospect wanting information.

Advertising Your Real Estate on eBay

When one has a house or other real estate to sell, he or she may list it for auction on the eBay Real Estate site. This is found at http://www.pages.ebay.com/realestate.

There are many different ways to present the property for sale on eBay. If the realtor seeks to sell the estate at a fixed price instead of having the property go through an auction, he may request eBay to display a real estate listing in a format much like a local paper.

eBay’s Real Estate page has three selling formats. These are the auction, fixed price selling, and the traditional real estate listing.

For each of these selling formats, the "user" furnishes additional information regarding his or her property. Details may include lot size, number of bedrooms, number of bathrooms, type of property, year built, and other information. The auction listing period must also be specified, where the choices range from 1-, 3-, 5-, 7-, 10-, or 30-days, or a 30- or 90-day non-auction listing.

The eBay Real Estate website charges two types of fees for listing a property. There is a simple fee for listing the property and also a fee is based on the final amount of the property sale. The charge for a 1-, 3-, 5-, 7-, or 10-day auction listing is typically around $100. A 30-day auction listings cost about $150. A non-auction listing costs $150 for 30-day listing, and about $300 for a 90-day listing.

Fees for Timeshare property and land are usually slightly lower. The final fee amount for Timeshares and land is generally about $35.

Selling real estate on eBay is growing in popularity as the internet stretches it's outreach to more countries. Although nothing beats direct and personal inspection of property, the convenience of having eBay connect seller and potential buyer is definitely appreciated.

Copyright 2005 MHG Consulting

About The Author, Dan Farrell

Would you like to get MLS listings before they hit the mob? For free? By email? Go to: http://www.realestatebyemail.net Read more on this article...

Community “Sweat Equity” Programs


Check into community programs. They can be a very valuable resource, particularly if you have nowhere else to turn. Our community has a program that helps single parents and other financially struggling people to build their own home. They use “sweat equity” to make the down payment. It takes almost a year of part time labor, but you get help from professionals and volunteers, automatic equity in the new house, and a loan for the rest, even though you may not qualify under ordinary circumstances.

These sweat equity programs are becoming more and more popular and getting more funding. The Bush administration awarded $25 million in “Sweat Equity” grants to communities and organizations in 2003 and the funding continues to go up.

There are now an amazing number of organizations that want to help you get into a home of your own. Besides the many charitable organizations doing this, HUD (U.S. Department of Housing and Urban Development) funds many counseling agencies that can show you ways you can get into a house. Consider taking advantage of the help they offer. It may take some research, but it could be well worth your time.

Our book, "Buying a Home When You Have Bad Credit-- 12 Ways to Purchase a House When You Can't Get a Home Loan" has a list of organizations that you can contact to find sweat equity programs in your area.

Are you ready to get started? Go to I-can-buy.com and get the instant download e-book, "Buying a Home When You Have Bad Credit."


From the book "Buying a Home When You Have Bad Credit-- 12 Ways to Purchase a House When You Can't Get a Home Loan" by Alexis Dey. © 2005 Mohave Publishing. All rights reserved. http://i-can-buy.com Read more on this article...

You Can Do It!

It is possible to buy a house, even if you don’t have perfect credit or a huge salary. Don’t listen to the others who have told you that you’ll never be able to buy. There are many options available to you. Not all of them will be for you, but one of them may be just right for you now. Maybe one will be right for you later. But don’t give up. Keep a positive attitude and keep trying.

I’ve written this book to give you hope and get your creative ideas flowing. If you can’t get a conventional loan, you will need to get creative. And I have some creative ideas for you to consider.

There are also many different nonprofit and community organizations that you can go to for help. This is a great time to get into a home of your own. It has never been easier.

Mary and Jake were told by a real estate agent and mortgage broker that it would take them 5 years or more to clear up their bad credit report enough to be able to buy a house. But, by using one of the methods in this book, they were able to buy a house within 3 months of talking to the real estate agent.

And what is amazing is that once you have a house, your credit gets better! You are making regular payments and you now have equity in a house instead of rent. Next time you buy, if you decide to sell your home, it will be even easier.

It is possible for anyone to do. Some of these ideas are secrets that investors have been using to get rich for years. But why should the rich and the investors know all the secrets. I wanted to make some of these creative ideas available to anyone who wants and needs to get out of the rent trap and into a home of their own.

I've watched countless others get into houses when they had bad credit. And I know how it works from personal experience because my husband and I have been where you are. We never thought we’d be able to get our own home, but we did it! And you can too!

Are you ready to get started? Go to I-can-buy.com and get the instant download e-book, "Buying a Home When You Have Bad Credit."


From the book "Buying a Home When You Have Bad Credit-- 12 Ways to Purchase a House When You Can't Get a Home Loan" by Alexis Dey. © 2005 Mohave Publishing. All rights reserved. http://i-can-buy.com Read more on this article...

Lease Options or Rent to Own?

Finding a rent-to-own house is one of the many ways someone with bad or no credit can buy a house. You will often find them called names like lease/options, lease with option to buy, lease purchase, lease 2 purchase, rent with option to buy, rent to own, or rent to buy homes.

There are a few differences between rent-to-own and lease-option agreements, although many people use the terms interchangeably. With a rent to own (or rent to buy) home, the buyer makes an agreement with the owner that part or all of the rent money will go towards the down payment of the home, and at a certain date, perhaps 2-5 years in the future, the renter will purchase the home, using the money that was set aside as the down payment.

There is usually not much money put down in the beginning, outside of what would normally be needed for a rental home, so this is a good way to get into a home for little or no down payment.

Another advantage to a rent to buy situation is that if you compare how much rent money is applied monthly to the home price, even if it is only 25-50%, it will still be much more money paid on the principal of the house than if you had taken out a loan for it. If you look at how much money goes to the principal payment of a home with a typical mortgage loan, you will find that most of your mortgage payment in the beginning is just paying interest on the loan. A rent to own agreement, where the money goes directly to the payment of the home, could be saving you a lot of money in the long run.

With a lease-with-option-to-buy, a renter signs a lease agreement (often for a shorter period of time, like1-2 years, but it could be longer). The renter/buyer usually pays a sum in cash, usually non-refundable, to the owner in agreement to buy the house at a later date for the price agreed upon. The renter has the option or right to buy the home, so in the end they have a choice and can back out it they want. Some of the rent paid may or may not go towards the purchase price of the home.

This is a technique often used by real estate investors in periods when the interest rate is rising fast. This way they hope to buy the home at a lower interest rate on a later date. In the meantime, they will sublease the home to someone else, who will make the payments for them.

Again, the terms “lease option” and “rent to buy” are pretty much used interchangeably today, so check with the owner to find out exactly what terms they are offering. Or approach an owner with your own offer for renting to own.

If you are a renter who is tired of paying someone else’s mortgage and want to own your own home, this is one of many ways that you can buy a home. One of the drawbacks is that you will still need to purchase the home at a later date. This may be a problem if you have bad credit, because you may still need to qualify for a loan when it is time to purchase the home. If your credit can be repaired in several years, this may be a great way for you to get your home now, and good motivation to clean up your credit for the future.

From the book "Buying a Home When You Have Bad Credit-- 12 Ways to Purchase a House When You Can't Get a Home Loan" by Alexis Dey. © 2005 Mohave Publishing. All rights reserved.

For more ideas on how to buy a house when you can’t get a home loan, look for our exclusive e-book, “Buying a Home When You Have Bad Credit,” which can be ordered only through our site at I-can-buy.com.

For free rent to own agreements, as well as other free real estate contracts and forms to download in PDF format, check out our site at site at I-can-buy.com.


By Alex Dey Read more on this article...

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