How can i get into a house when my credit is 600 and my partner is 552 ? But his income alone is enough to pay for the house and bills?

how can i get a loan, when my ex ruin my credit? my last credit score was 582 from 412

I am confused about this process. I know that your credit scores needs to be high and that you need a down payment. But what if you have student loan and that's all is in your credit?

5-yr rule is not hard and fast. other reasons not to buy is if you are the kind of person who likes to pick up the phone and nag your landlord when your toilet breaks or you think there is a decent chance your employment/income picture is not stable.

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Hmmm.... Well, I make about $40,000 per year and I work as a cashier at a local grocery chain in Los Angeles. I was able to save $50,000 in about 2 and a half years for my down payment. I purchased a house for $120,000 and pay about $550 per month for the mortgage compared to $700 per month for rent of a studio apartment in Los Angeles. Although I took out a 30 year mortgage I plan on paying it off much sooner. I life you have to be willing to give up certain things. I gave up eating out and a lot of entertainment in order to save up for the down payment.

New buyers also need to consider annual property taxes to avoid a big surprise!

Hi Mihai Cristian, Yeah I agree with you in 100 percent is because I read lots in the book called "Rich Dad and Poor Dad". The Bank never tell you the truth... My recommand you to get book calls "Rich Dad and Poor Dad" Robert Kiyosaki.

IT is the same in any other countrys, The bank is forcing u to take a loan and make u a slave.

This is a pretty accurate picture of what's going to happen. The rule of thumb I was told is that the house payment should not exceed 25% of your monthly take home (not gross) pay. One other item that helps, I had my daughter take out a 30-year mortgage, but made sure she could pay the 15-year payments.If you face job issues, you can drop back to 30-year payments to reduce monthly expenses and always make sure you have a little emergency cash available for leaks, broken windows etc. We live in CA where owing a home was nearly impossible. Finally my daughter