Be sure you can afford two mortgages. As for mortgage financing, you have to qualify for a second-home mortgage, which is on top of any mortgage debt on your primary home. typically, you will need to make a down payment of at least 10 percent to 20 percent, meet credit standards and debt-to-income requirements,
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Don’t rule out homeownership because you don’t have a down payment and are dealing with bad credit. programs exist for buyers who are working toward rebuilding their credit and buying a new home.
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Buying a second home with low credit. (foreclosed. – City-Data – We already own a home but we’re trying to buy a second home and let our son make the mortgage payments. Credit isn’t great (614-620) but no defaults bankruptcy or foreclosure on record. I was wondering if anyone could give us advice on how to do this because so far it just seems no luck and confusing.
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