I want to get a lone to buy a house but I don't know where to start?
80159
You should have some financial knowledge before setting out to get a loan.  I imagine you need the loan to purchase a one family house, instead of some apartments and other high end real estate.  I would suggest that you read a book first on buying a house, it will explain many of the curve balls the bank will throw at you when it comes time to buy the house.  Credit is not so important because the house will be your equity.  If you dont pay the bills the bank will take the house.  Try going to one or more banks, if they decline your loan, then ask them why, this way when you get to the next bank you will have some experience.  The bank is the safest way to borrow money, aside from loan sharks, and family.  You should look for a competitive interest rate, something less then 5% is good but I wouldn't pay more then 6.5% no matter your credit.  Well if you have a credit rating of less then 500, then be prepared to pay more in interest.  A large down payment will defer some of the monthy payments.  When buying a house I prefer to tie up the deal first, then worry about the money.  Also look the housing market in the USA showing slow growth this year.  I bet next year houses will be a lot more affordable.  Whatever the asking price is, take 10% off that price and offer the person that.  Look at the house, if there are cracks and damage take that out of the asking price.  I would buy a book on real estate before buying a house.  Get something like real estate for dummies,  I know it sounds degrading but its a 20 dollar book and could potentially save you thousands of dollars.  Its better to be informed before making an expensive decision.
538189
It sounds like you are in the IDEAL situation for what is called a "contingency" agreement. Put your house on the market and start looking for a new house. If you have no income and the only money you have is from the sale of your current house then you can sign a purchase contract with another seller that says you will close on the purchase of their home contingent on the sale of your current property, which, in regular words, means you can buy their house as soon as yours is sold!!!\n\nThere is also the option of a bridge loan. These are secured by the equity of your current house and gets paid in full once your house is sold. These work well but you have to pay interest on them just as you would a regular mortgage. I would speak with a mortgage broker after you get in touch with a real estate agent!!!!
1071072
What are you trying to get away from? Are you living with your or his parents or are you in a bad rental situation? Find a nice apartment to rent (condos are good). As others have said, you will not be able to buy a house until you are 18 unless you have an adult to co-sign. Do you have someone who is willing to trust you and back you up? \nGood luck, I hope it all works out for you.
781800
Look around and find a home mortgage consultant. To find one that you like, I'd suggest trying your usual bank, and asking your friends, family and neighbors. If you happen to know a realtor (if you've already found one you like), ask them for recommendations. I also recommend that you  bring a notepad with you when you talk to the lenders. There is a lot of terminology that can get very confusing when you're just starting the process. I really hope this works out for you! Good luck =)
824322
Well, if you don't want to go the auction route you have a couple different options.\n\n1) Preforeclosures.  Get an online listings source and find pre-foreclosures (I use foreclosure.com).  Now you can identify the property you like (get funding!) and make a proper offer.   You will also help the home owner slide without a foreclosure on their record.  \n\n2) Foreclosed.  Meaning ones that don't get sold at auction become REOs.  Or bank-owned properties.  Then you can go straight to the lender and wheel and deal.  You should probably have a buyers agent though, to look out for your interests.  They may even get you a deal if you finance through them.\n\nOk. good luck.
1017665
A lot of people use the Internet as a tool. The best way is to let a licensed real estate professional help you with those tools. Try Craigslist and similar services if you want to go it alone first.
424421
There are lenders that could help you a little if you had a job. That is you problem. You have to have income that can be verified and job history to support that. Being a student and not having a job will make it impossible for you to buy a house unless you have someone that will say that you work for them and do a "stated" loan which is where they don't verify your income.
69445
Go to a title company. If you don't know of one, talk to a lender like a bank or mortgage company, they should be able to recommend one in your area.\n\nJust make sure you spell the address better than you do title.
371448
The best way to go about is starting with single family homes or duplexs.  You'll get a taste of being a landlord.  With apartments it can be tricky.  Also, think about liquidity.  Apartment buildings are much more difficult to sell.  \n\nOnce you've established yourself with duplex's and houses then think monopoly.  Trade them in for the apartment complex. Good luck
50427
Find out what area you want to live in. Then hope in your car and drive around the area. Look for signs in front of houses. \n\nAgents are a dime a dozen. If you chose one ask for recent referrals. Also go with one that is an area specialist.\n\nThere might be some that are for sale by owner. That person is trying to save money.\n\nIf you need a loan send an email my way. My husband can answer all your loan questions.\n\nGOOD LUCK.
191950
First you have to find an appartment complex or private owner of an house, townhouse, duplex or apartment that will rent it someone with a voucher. Once this is decieded then you will need to fill out an application, and let your Housing adviser know that you have found a place. You will then fill out paperwork with your advisor about the place. This will go back and forth for a while. The place you have found will then be inspected by an inspector with the housing authority. If there is nothing wrong with the place then, your advisor will contact you as well as the landlord to figure out how much you will pay of the rent, as well as if you qualify for assistance with utilites.
818326
I suggest you check out non profits, who are the recipients of most housing grants. Check out Habitat for Humanity. \n\nAlso visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders http://www.getdownpayment.com/\n\nThe Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm\n\n"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."\n\n You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two FREE sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.\n\nNote though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.
171536
This is a tough one, but here is a suggestion.\n\nFirst I assume the owner has a loan that has a due on sale clause and cannot be assumed. Try these first if possible.\n\nNext thing if you work at it you can do this. It might be a long shot with each person, but you will eventually find someone willing. You need an investor. This isn’t something like finding one in a thousand like it might seem. A lot of people, at least 1 in 10 or 20 invest in real estate. So every community has a lot of investors. You are going to set up a deal that is too good for them to pass up and then show it to 25 people and one of them will go for it. Put an ad in the paper in the investor section something like invest in this lucrative real estate deal and you will have your phone ringing off the hook of people to try it out on.\n\nHere is what you want to happen. They will buy the house from the current owner, and they will lease option the house to you. Since the market is poor in that area you should be able to get a good deal. Keep in mind the reason they offered it to you first is so they can sell it for more than it is worth and avoid a commission on top of that. So any price they offer you will likely be way more than they need. Unless you are dealing with abnormally nice and fair people. \n\nSo lets assume the house is worth 90k to 100k for the illustration here. The range is if you want to sell it quick or let it sit a while on the market. Although the range might be larger the way you describe the area. My guess is the 18 months on the market is one house with a problem that the stubborn owner denies.\n\nFirst you need to be able to negotiate with the current owner. They can sell the house fast with an agent for 90k, of which 82k is what they get, 5400 commission plus 2600 taxes and closing fees. So you can offer 90k-5400 and it will be the same for them. They have to realize this is true so take time to explain it. If they agree that they would sell it for that then you would do best to put an offer in writing and write in the buyer as “your name and/or assigns”. The “and/or assigns” means you can assign the contract to someone else. The investor you will now search for. \n\nYou will need more time than average to close, which might trouble them(might need to raise the price a bit). Or, you may need to add something in the contract like this contract is void if the owner happens to find another buyer willing to pay at least $90k. This way they can still try to sell it while you put the deal together. They will get to keep your earnest money as well if you fail to buy the house, so put as little as they will take, but it does need to be at least $100 or so to be considered a legal contract. You might also add something like more earnest money, to the tune of $100 will be handed over each month to keep the contract good for up to 90 or even 120 days if they will go for it.\n\nNow you will try and find an investor. It has to be a good deal for them and of course you would like it to be a good one for you. Part of your pitch will be that you are trying to split the good fortune and that since you “found” the deal you want some of it. So they are going to buy the house for the contract price you negotiated of 84600. Then simultaneously lease option it to you to buy it for 100000 in three years, or however long you think it will take you to save up enough money and build up your good credit to buy a house. Presumably the house will be worth more than 100000 or you need to lower your price. Be sure this option contract gets recorded along with the other papers.\n\nThe lease part of a lease option works like this. You rent it for say 800 a month now, assuming this is market rent you will start renting it for 900 a month and 300 of that goes towards your down payment (all negotiable of course). So if you end up buying it you only pay 600 a month rent. If not then you paid 900. Good for both sides. You will also agree to handle all rep
145885
Start by getting a credit card-a gas card will even work. Just charge a tank of gas or so every month on it and pay it off as soon as you get the bill. This will start helping you to better establish credit. You may want to go ahead and talk to a real estate agent. You don't pay them. All of their fees are paid by the sellers of the house. They can go ahead and tell you what to do to build up your credit and get you pre-approved. Sellers deal more readily with pre-approved people because they don't have to wait as long to finalize the deal. My realtor helped me find a state program that gave me a $2500 down payment assistance loan that had to be paid back at $36 a  month for 7 years. I ended up getting into my house with only $300 out of my pocket if you can believe it!
798902
have you considered buying.. if this is the going price for what you are looking for, in your area, then you could probably buy a home.. besides there are many 1st timer gov money (lot free $). programs you can web search or check with a realtor... i have no problem in paying a realtor their commission they work hard for it you too may want to talk with one ( i suggest using a well established firm.\n\ni would suggest that you check for the sellers list, owners  where you shop ect (network your desire to buy a home )
409633
Go around to all the fisbo in your town and ask them if you could bring them a buyer that would net them the same, could you list their house. Call all the landlords that are advertising apartments for rent in the newspaper and ask them if they would be willing to cash in on all the hard work they have done on their property. Personal observation will be your number one source of leads.
27799
Get a realtor.  They have numerous tools and contacts that you dont, and they can suggest the right price for a "motivated seller" like yourself.\n\nLook for a realtor that is very well known in the community.  This should get you started: http://www.mibor.com/