So, let's begin...
After over 11 years as a licensed Realtor, one of my greatest joys remains helping people who never thought they would be able to own a home. Recently I was asked by a past client to assist a friend of his in leasing a home. By asking a few questions, I found that his friend was married with two small children and would really rather own than continue renting. A couple of difficult years had harmed their credit scores, so as a result they had given up all hope of owning a home.
When we talked, I suggested they speak with a reputable lender that has done a great job for my clients in the past. They were amazed to discover that not only could they qualify to buy a home now (at a slightly higher interest rate), but that it would be in a price range that would give them some attractive options.
We quickly set out in a search for their home. By the end of our time together they had agreed on their #1 choice. Within 3 days we had an accepted offer and are closing on Monday! What a thrill for them and for me too.
The reason I share their story is to encourage you to not give up on the dream of owning a home. There are great lenders out there who are willing to work with you and even Sellers who are willing to offer flexible terms. Your dream may be within your grasp.