Home Financing Is Easier To Achieve Than You Think

It's easier to finance a home than you think it is. I know, I know. You've heard a billion horror stories from the news, friends, family, your cousin's girlfriend's uncle twice removed. And, you think it's going to be so difficult.

It's not.

We took a hit in 2008, all of us. That alone terrified me and put me off home ownership for many years. Of course, there's also the fact that my husband was in the Navy so we did move around a bit before we settled here. I just truly thought this was a dream that we wanted but would never achieve.
As I always do, I started looking around on the internet to find the answers to my questions. Just reading and browsing around reading about the housing market and how to get a real estate license. I was thinking of taking real estate classes for awhile, but fell into my dream job, writing (and getting paid real money for it!).  I came across bad credit loans in Tampa, which are credit loans for people with bad credit.

To the Google!

I had no idea that you could get a loan if you had bad credit? I mean, isn't bad credit one of the major reasons WHY you are denied a loan? Isn't that how we got into that mess in 2008 to begin with?

So, I read more....

In Tampa, Associates Home Loan is fully aware of your anxiety over these unconventional loans. I spent a lot of time on their website reading about bad credit loans and how all of that works. I wasn't interested in living in Tampa (I'm sure it's lovely), so I started to look into places closer to where I wanted to be and found quite a few!

The credit company I went through is a little different than that one, but it worked out really well for us. We can work on getting our credit together and in a few years refinance through our bank (VA loans, FTW! To learn more about VA loans, you can read this great guide: https://www.reviews.com/blog/veterans-home-buying-guide). The mortgage payment is 1/3 of what we were spending on rent and we've been able to stay on top of everything financially so much easier! I was incredibly skeptical at first, but we've been happily in our very home since July of 2018 and I have no complaints at all with the whole process. I don't miss renting at all, getting to buy all new stuff for your very own home is such an awesome feeling! 

I'm really glad I decided to look into it. It's not something I would have considered before but once I learned everything about it and my financial advisor approved, I was ready! We jumped in with two feet and landed perfectly.

Have you bought a home? What was your experience? Do you have any stories to share about your home finance adventure? Tell me in the comments, below!