How To Buy a Home in Huntington Beach, CA with Bad Credit

~ HOW TO BUY A HOME IN HUNTINGTON BEACH, CA WITH BAD CREDIT ~

One of the first steps in buying a home is getting "Pre-Qualified". Whether you're looking to buy in Irvine, Newport Beach, Costa Mesa, or Huntington Beach, a pre-qualification letter is a necessity! (unless you're paying all cash)
Buying a home is a process, and if you have poor credit, that process may have different steps.

There are many lenders out there, but not all lenders are created equal! Beware of lenders making promises that sound to good to be true... because they probably are.

While most lenders aren't out to get you, the best solution is to contact a reputable Real Estate Agent who does a lot of business in the area you want to live. Since this is the best starting point for your home search anyway, you're actually going to kill two birds with one stone. That agent will almost certainly have worked with a few lenders in his area, and making recommendations should be easy. Plus, you have the comfort of knowing that the agent is not going to make a recommendation for a lender they don't know.
You may end up working with this agent (probably a good idea), and that agent isn't going to want to leave the lending portion of the transaction up to chance! Since buying a home with bad credit is a bit more of a challenge, you want to address this early on in your home search.

Finally, many people have had their credit negatively impacted over the past few years. This is common and nothing to be ashamed of or embarrassed about. Many people are struggling, and your credit is often the first to suffer. A good lender will be able to guide you in the right direction and let you know, based on your current credit score, what you can and cannot buy. They may even know about credit counseling or credit repair, and having an honest discussion about how you ended up with poor credit is a must!

Remember, even if you have bad credit, you still may be able to buy a home. It might take a little longer, and maybe there are some steps you have to take, but let your lender help you and guide you through this process.

Contact a Realtor who you believe has the knowledge, the contacts, and the experience to make your home buying experience the best it could possibly be!

Dare to Dream Big...

Orange County, CA is home to some of the most beautiful beaches and destinations in the country. Don't let the opportunity to live here pass you by.