Buy a home with bad credit

How to Fix My Credit Myself

18 Jul , 2014  

The Fair Credit Reporting Act of 1972 is a government bill that allows people to fix their own credit. Every credit repair company bases their practices off of this Act, but anyone can use the information in the to repair their credit on their own. However, it will take time to learn. You can expect it to take roughly 10 hours to read through the Act, and another 10 hours to learn how to do it yourself.

Most people choose to actually hire a credit repair company because it is a convenient and inexpensive way to repair your credit score. For example, Lexington Law, the leading credit repair company in the nation, only charges $99 down and $99/month for 6 months. You can contact one of their specialists at 888-493-6888. Or, you can use Cloud Based Credit Restoration for $69 down and $69/month.

Either way, you can spend 20 hours learning how to repair your credit on your own, or you can hire a company like Lexington Law or Cloud Based Credit Restoration. Fill out this form to get started.

Buy a home with bad credit

Rent to Own Options

30 Jun , 2014  

Rent-to-own is a great option for people who are working towards purchasing a home. Many people find their dream home, but need time to make the purchase. A rent-to-own purchase not only allows you to have that time, but also allows you to live in the house you want to buy before you decide to exercise the option to purchase. With rent-to-own programs, buyers are able to build income and repair their credit history as they rent the house they want to buy. Best of all—you can lock in a selling price on the home you want to purchase, even if the market goes up. Join the H.O.P.E. Program today to learn more about rent-to-own options.

Buy a home with bad credit

Grants for Down Payments

27 Jun , 2014  

A U.S.D.A. insured zero down loan is great option for people who want to buy a home. The only real drawback is that you have to buy a property in a “rural” area. But guess what- 90% of the country is considered rural by the U.S.D.A. Your first step should be to contact a bank or lender and ask them for a list of zip codes where U.S.D.A. loans are allowed. However, in order to qualify for this loan, your credit score must be at least 640. Enroll in The H.O.P.E. Program if your score is below the 640 mark.

But what if you live in an area where U.S.D.A. loans are not allowed? While 90% of homes are in rural areas that allow these loans, only 38% of the population lives within these zones. That means 62% of people may want to buy a home, but are unable to make the down payment! What many people don’t know is that there are organizations that can help with your down payment. Did you know that the MHSDA will give up to $7500 grant to be used for a down payment, closing costs and prepaids. Some grants may have a clause that says you have to pay a percentage back if you move before a certain amount of time; but as long as you play on living in that home for at least five years, there is NO payback!

Grants for a down payment is by far the best way to purchase a home if you are unable to come up with a down payment. But don’t forget- you still have to qualify for the FHA loan, which means you need a 640 credit score with 3 credit accounts that have been paid on for 12 months. If you haven’t done this yet, enroll in the HOPE Program so we can repair your credit score, add 3 new credit accounts (rental payment history and 2 new forms of credit) and help you get a down payment grant.

Buy a home with bad credit

Adding Credit to Your Report

24 Jun , 2014  

It is important to not only remove negative items from your credit report, but to add, new, positive lines of credit as well. Here are two easy ways to add credit to your report without adding undue debt:

  1. Rent reporting: if you are currently renting, you can have your monthly rent payments show up as positive credit on your credit report. But be certain you make your payments on time, as late payments will also be reported.
  2. Secured credit cards: unlike prepaid credit cards, with a secured credit card you get a credit line and your payment activity is reported to all the major credit reporting agencies. You deposit funds into the bank as collateral for the card. You can use the card like any other credit card, and rebuild your credit score by making the on-time monthly payments. Just make sure you keep your balances low, relative to the credit limit on the card.

Buy a home with bad credit

How Does Credit Repair Work

18 Jun , 2014  

For people struggling with a poor credit score, repairing their score can be a huge headache. We are here to let you know how credit repair works. Did you know you have the right to question any information on your credit report that you feel may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, biased or unclear.

 

creditact

If the credit bureaus cannot verify that information, then according to the Fair Credit Reporting Act, it MUST be removed. A credit repair firm will act on your behalf to provide the legal tools you need to dispute any items on your credit report. If you would like to be contacted about having your credit repaired, click here.

Buy a home with bad credit

What Is the H.O.P.E. Program?

16 Jun , 2014  

At The H.O.P.E. Program, we know how frustrating it can be to try to buy a home with bad credit. We have helped over 12,000 people get homes who never thought they could. Many of our clients struggle with issues like bad credit, which prevented them from being able to own their own home. Our program combines three steps to help overcome barriers to home ownership.

  • Credit Repair: We will help you legally remove negative items such as late payments, judgments and charge offs through the Fair Credit Reporting Act of 1972.
  • Adding Positive Credit: We will add new lines of credit, your past and current rent payments and your utilities.
  • Lender Education: We are affiliated with the largest banks and mortgage companies, and will make sure you know exactly what to do to get approved by them.

No matter what your background, no matter how bad your credit or job history is, we can help. Click here to get started.

Buy a home with bad credit

Buying a Home with Bad Credit

15 Jun , 2014  

Do You just want a home of your own that you can call your own? Are you tired of dead ends? Games? Gimmicks? Bad Houses and Fake Ads? Would You like to END all that? We know you would….what if we told you all of these things…..

We have helped over 12,000 people get homes who NEVER thought they could!

Most of our clients had credit issues, income issues or SOMETHING that prevented them from getting their own home. Would you like to overcome that? Here’s How…EDUCATION! Have you ever heard the phrase “Knowledge is power?” Well in this case, it has never been more correct! We combine 3 things:

-Credit Repair-Legally removing negative items such as late payments, judgements, charge-offs, etc. through the Fair Credit Reporting Act of 1972. We do this through our partnership with the nations top agencies that will be working for YOU!

-Adding Positive Credit-We help by adding new lines of credit, your past rent, your current rent and your utilities!

-Lender Education-We are affiliated with the biggest banks and mortgage companies and we will make sure you are educated to know exactly what to do to get approved by them.

Our consultations are free and we can evaluate you in 5 minutes…..Call us at 888-920-4893 for a FREE consultation. Or you can click on our link below and we will assist you once you fill out the form and hit submit!

REQUEST TO BE CONTACTED ABOUT HOMES

I WANT TO BUY BUT DON’T THINK I CAN

I ALREADY KNOW I WANT TO ENROLL…ENROLL ME NOW!

If you are anything like most of our clients…You just want help! You will do what you are told, you just don’t know what to do or where to go. THAT’S WHERE WE COME IN. You see, we have H.O.P.E. (Home Ownership is Possible with Education!)

H.O.P.E. to Own is a site created by The H.O.P.E. Program to assist you in your efforts of obtaining a home of YOUR own! We have helped thousands before and we will help YOU! Whether you want to buy a home with bad credit, buy a home zero down, rent to own a home of your own or get into a home with bad credit…we can help!

No matter what your background, no matter what your past, no matter how bad your credit or job history is…we can HELP! We are experts within the fields of Credit, Credit Repair, Score Enhancement and Lender Education.

Our Last Move – A site designed to help you further by finding you a home while we help get you ready to buy.

Why own a Home of your own? Well, if you haven’t already figured this out, let us help you!

-Lower move in costs than rent
-Lower monthly payments than rent
-When you fix up the house, it’s YOUR house you are fixing
-No worries about pet limitations
-No worries about landlords
-No worries about moving the kids in the middle of the school year
-Never have to move again unless you choose to

Honestly, didn’t you already know these things? Call us TODAY at 888-920-4893 or fill out the information below.


Buy a home with bad credit

Home Loans are Possible w/ H.O.P.E.

7 Jun , 2014  

Have you dreamed of owning your own home but never thought it was possible? We are in the business of helping people buy their homes, even when they didn’t think it was possible.

We have partnered with the Nations Top 10 Lender’s! Click the Banner below, fill out your info (we know it says Refinance but it will work for purchases too) and you will be connected with a Lender that lends to your Credit Score, Income and Down Payment!

Buy a home with bad credit

Qualify to Own Your Own Home

6 Jun , 2014  

Garage Door Opener

If you’ve ever wanted to own your own home but thought that you couldn’t, you are not alone. Buying a hoe of your own has long been touted as “the American Dream” but how often do we see people unable to qualify?

It will sometimes seem like this American Dream is really only available to certain people. The downside is that most schools aren’t teaching people how they need to qualify for a home and many young adults start off on the wrong foot, making mistakes that prevent them from getting the home loan they want.

The system is also not friendly to those who have gone through a divorce, major illness or other complications. The good news is that there IS something you can do about it. If you have bad credit or no credit at all and you have been turned down for a job, you do not have to forgo the American Dream.

We are in the business of helping people and we have some proven steps and processes that we teach you to do to improve your credit, establish new credit and also to help you get a better job or earn  more money in your current job. We combat the major reasons why people cannot qualify for a home and our program walks them through it from start to finish.

It’s never too late to make these changes to correct your ability to qualify for a loan. However, the lower your credit score, the longer it might take to get it back up. But if you’re willing to commit to the process, it WILL work for you.

*****QUALIFY TO OWN YOUR OWN HOME*****

Do you dream of owning your own home? Has it always been out of reach because of your credit? Let H.O.P.E. help! We have helped over 10,000 people buy a home who started out with a credit score below the 500 mark. Our program combines credit repair, score enhancement and education. A team of specialists is standing by to answer all your questions and start you on the path towards home ownership. Just click to fill out the form and we will contact you to get started.

A year from now you should be saying, “I do own a house”, not “I can’t”. Think it’s impossible? You may be surprised by what our program can offer you. Call us today at 800-206-3536.

Buy a home with bad credit

Push Past the Fear and Buy a Home!

5 Jun , 2014  

1901461_782706135081442_5999787625641642889_nIf you have been turned down for a home loan before, there is a good chance you are afraid to apply again. Or maybe you’ve been denied several times and you just don’t think home ownership is in your future. You’re not alone in this and it’s ok to feel like  you do. However, that fear could be holding you back from great opportunities.

It’s okay to be afraid. Just don’t let your fear paralyze you. Use that fear to motivate yourself, and attack the task at hand. When it comes to owning a home, we can help you tackle past bad choices, and show you how to turn things around.

Most of our clients had credit issues, income issues or SOMETHING that prevented them from getting their own home. Would you like to overcome that? Here’s How…EDUCATION! Have you ever heard the phrase “Knowledge is power?” Well in this case, it has never been more correct!

We combine 3 things:

-Credit Repair-Legally removing negative items such as late payments, judgements, charge-offs, etc. through the Fair Credit Reporting Act of 1972. We do this through our partnership with the nations top agencies that will be working for YOU!

-Adding Positive Credit-We help by adding new lines of credit, your past rent, your current rent and your utilities!

-Lender Education-We are affiliated with the biggest banks and mortgage companies and we will make sure you are educated to know exactly what to do to get approved by them.

 

Give us a call today at 800-206-3536.