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Bad Credit Home Loan Help

Can I get a home loan with bad credit and co-signers?

Ok so there is a home for sell that me and my husband would like to buy. It costs 85,000 and we have 10% to put down. The only thing is that we have bad credit. My parents have offered to co-sign for us. The have over perfect credit. Is this at all going to help us or our we just out of luck? We can afford the monthly payments so that isnt an issue.

Your question is a scam spam magnet. More than a dozen Nigeria 419 advance fee scam posts and counting at the moment.

Do not ever ask someone to co-sign when you’re not married to them. I’m startled that your parents would even offer under the circumstances.

Bad credit usually means lack of skill managing financial circumstances. Find and attend a Dave Ramsey “Financial Peace University” course. They’re inexpensive, easy to understand, and you will learn valuable skills for managing money.

In the present financial marketplace, the likelihood of getting a loan when you have a history of *not* making payments on time is small. Get up to a 20% downpayment plus 5% more for fees and costs and then try the bank where you already do business.

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