Buy a Home with Bad Credit

Welcome to the Get Help to Own

Signup Now!

I would like to see dog-friendly homes
I have more than $10k in Federal Student Loan debt and would like to speak with a specialist about Student Loan Forgiveness Programs
I have more than $10k in Federal Tax Debt affecting my credit and would like to speak with a specialist about reducing my tax debt
I am interested in obtaining a personal loan to help with moving and down payment costs
I'd like my Credit Fixed so I can have a higher Credit Score
I have more than $10k in debt and would like to speak with a debt consolidation specialist about my options
By submitting this form, I agree and expressly grant my consent to Edu Matcher, Request Results, Drive4Cash, OfferDrop, Xanadu Marketing, Inc, Follow My Lead, myrent2ownhomes, Pinpoint Leads Marketing, Tax Help Central, Lateral Brands, Inc, Debt Repair Company, Find Credit, Jakob Marketing Group, Ds Prospecting, TD Edge Media, Dsn Information, Rent to Own Services, One Percent Inc., inboxed LLC, ActiveQuest, Inc, Lexington Law, Get Help to Own, Helping Hands Association, NationalTaxRelief & Partners, CreditAssist.com, and Royal Seas Cruises including their affiliates, to contact me regarding programs and offers via email or telephone using automated technology to any wireless number I have provided in order to provide me with important information and exclusive offers. I understand that message & data rates may apply. I also acknowledge that I may receive up to 3 messages per week. Reply STOP to the message to end all messages. Text HELP for customer service or call (800) 370-6254. I have read and agree to the Terms of Service and the Privacy Policy.

Get Help to Own opened in 2003 and has helped well over 13,000 people since to buy a home starting with a credit score under 500. Get Help to Own has also helped tens of thousands more people buy a home with 550, 580, or 610 credit scores by helping them to get above the 640 score needed to qualify for down payment assistance.

Get Help to Own is available to any US consumer and consists of two programs; the Credit Ready Program to get your credit ready for homebuying, and the Lender Ready Program to prepare you for a home loan.


WAIT!


We found you a 3 Bedroom Home for $399/mo in YOUR Area

 

Show me homes in my area!

 

No, thanks!

   

Get Help to Own can help anyone become credit ready to buy a home

 

Step One: Becoming Credit Ready

 

Becoming credit ready is a simple process.

 

Step One: We remove bad credit from your credit report via the Fair Credit Reporting Act, a government act from the 1970s which allows consumers to dispute any item on their credit report with credit bureaus.  The bureaus must reply to these disputes within a 30-day period after perform an investigation into the dispute, which will yield one of the following results: A) the account is yours and the information is filed correct and remains on your report; B) the account is not yours and is updated accordingly; C) the account was reported by mistake and gets removed from your report; D) the account never gets responded to and falls off by default.

 

Step Two: We add positive credit to your credit report.  35% of your credit score is based on your on-time payments, 30% is your debt utilization ratio, 15% is your credit history, 10% is public record, and 10% is credit inquiries.  80% of your report can be rebuilt through obtaining new credit where payments are on-time, debt is kept low, and history is over a year old.

This is what we use to add new positive credit to your score via programs like the Sub-Prime Credit Score, Beverly Tails Pet Store, the Phoenix Program, and the Ecommerce Card, all of which report positive payments to your report.

 

 

Getting you credit ready is simple - we help get your score above 640 by disputing and removing bad credit items and adding positive credit

 

 

Step Two: Becoming Lender Ready

 

We get you lender ready in six simple steps:

 

  1. We identify all down payment assistance programs you qualify to receive via local, city, county, state, and federal grant programs (including charities) to help get you assistance to buy a home.  Most of these programs don't even need to be paid back and can be used as down payment as part of qualification for an FHA loan.
  2. We schedule an appointment with a tax professional to make sure your tax returns and income is going to be lender approved.
  3. We schedule an appointment with a budget planning professional to audit and remove and unnecessary expenses that would get you denied for a home loan.
  4. We enroll you in our Three Part Education Process.  Part One: What's in a House Payment; Part Two: What do Lenders Look for; Part Three: What's the 45-day Home Buying Process
  5. We assign you a local lender who knows the specific lending guidelines in your area.
  6. We connect you with a realtor who will work for free, meaning the seller of the home you purchase will pay the realtor commission so you pay nothing out of pocket to your agent.

 

 

Get Started Today