Satelec 2003

We want to buy a foreclosure, small “investment” fixer, or build a small prefab.
Three years ago, my husband broke his leg and we lost everything because we didn’t have Aflac. We destroyed our savings, ate up our retirement, everything, trying to save what we had. Not so smart since we have to rebuild it all…
We went through the foreclosure 3 years ago, but because of some screw ups at the bank, it wasn’t recorded on the right date. Can’t fix that, we’ve gone nuts trying, and we’d like to proceed anyway. No use whining over what can’t be fixed.
We will be recorded as foreclosed two years in July. Hubby has over 25 years in his field, only 3 jobs in the last 25 years. I collect a retirement disability for medical reasons. We make a modest, but acceptable living. We don’t need cable or two cars. We have 10% of what we want to pay in the bank for the down.
Since the foreclosure, We have both reestablished credit, mine over 600, his over 700. I know, not great, but we are looking for home loans less than some new cars cost for what we want to live in. We have also lived in only two places for the past 15 years. 12 years before the foreclosure, and 3 years since. We have a perfect rental history, since the foreclosure that is, and never pay anything late, ever anymore. Extra vigilant. Our debt to income ratio will be less than 20% by July when the foreclosure is two years old according to the bank.

Is there ANY financing out there we may be able to get? What is it called? Construction loans, Rehab loans, First time buyer (me), Disabled, even “improving area” loans would be ok for the right property, anything — even websites where the owner offers to finance. The only offer we had, last year when my hubby asked this, was a blank signature page not attached to any document. Sure, I’m signing that. NOT.
I’m hoping for something real this time.
About that debt to income ratio–am I saying it backwards? I know so little about this that I’m not sure. What I mean is for every $ 100 in credit allowed we will only owe $ 20.

i need to know of any places for bexar county/texas state financial assistance or sites/places to help me consolidate debt…

My situation: I’m moving to TX to plant roots; looking for assistance as I have a car payment of $ 400, insurance, a loan w/o option to reamoritize interest at $ 200 a month and three credit cards whos minimal payments are a total of $ 100 a month. I don’t spend on the cards; have finances under control but my car and loan payment are killing me. I have a credit score of around 680 but am only 25 y/o and have no house or anything big for collatoral to get an equity type loan. My mother said I can look for food stamps and housing assitance through the state, but I have no kids or anything like that and have no idea where to look to either get assistance so things don’t get repoed or go into collection…

Any help, suggestions or sites to help are most appreciated! Thanks! =)

so i deploy in a few months,and i have a 2002 mazada that will be sitting at my parents house while im gone.i recently just bought the car and have 900 left before i pay it off for 4950.when i bought the car i thought i was going to college for a year and then i was getting deployed but found out my unit is deploying soon (im in “college first” and i volunteered to go).i spent the whole time i was in BCT and AIT saving up for a car for when i got back.now my dad wants me to let my brother drive it when im gone.

the thing is,is i feel like he should earn his own car and not have everyone baby him like they’ve done his whole life.(we’re step brothers and both 18).i had to work hard to get where i am today,and i know when i get back my stepmom will say because i am loaded with money (i will make 2200 a month there and its all untaxed) i can buy another car.my brother on the other hand seems to show no ambition from what my dad tells me,idk i haven’t seen my step brother in 6 months (hes on vacation now).firstly he quit his job about 9 months ago,still hasn’t finished high school (homeschooled,and we were in the same grade but i worked hard to graduate in sept of 08),and still is unemployed.

my whole thing is like i mentioned before,i feel he should earn his own car not just have one handed to him.but my dad keeps telling me he needs a car to get to work,and to a college he plans on attending,so he can get his life on track.so my dad said i should draw up a contract and have my brother sign it.

what i plan to put in there is,he cannot use it until he gets a job,then he has to get full coverage on it in his name,and finally he has to show me he can pay for the insurance each month.once he has completed all of the tasks i mentioned above he has until the 6 month premium to expire to find and buy a car,otherwise he has to pay me 100-150 a month to use it, on top of another six months of insurance,until he buys a car.then once he buys a car hes got to prove that hes got a car so that way i know he’s not bullsh*tting me.

also if there’s any damage to the car he has to fix it or give me money to fix it.if he totals my car he owes me 4950.and ill take pictures of the car before i go and then when i return to see the difference.

what are your opinions on this???should i let him use my car??if so what else can i add to the contract

I receive every company I have to do, where do I go? I sell life insurance and quote auto at home

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