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Mortgage Refinance Loans Purchase Money Home Mortgage Loans Home Equity Line of Credit and Personal Loans for Good and Bad Credit. There Are Many Options When Looking For Cheap Houses For Sale There Are Many Options When Looking For Cheap Houses For Sale By Leni Davenport When you are searching for a home to buy, especially if it is your first, budget is a major consideration. You will need to come up with earnest money, a down payment, and closing costs. Looking at homes in older neighborhoods or a more modest area of town is more likely to produce a number of cheap houses for sale. This will provide you with more choices. You could also consider buying a home with a rental property attached, or even a mobile home for greater affordability. One possibility is to buy a very old home in need of tender loving care and customize it to suit your needs and taste. The charm and coziness of an older style home can be very appealing, and the romantic notion of renovating is also a draw for a do-it-yourselfer. Of course if it needs a good deal of work, the cost can defeat the purpose of finding an inexpensive house. You are likely to need new carpet and paint in any home you purchase that is not new, but an old fixer-upper could easily become a money pit if you’re not careful. Another choice when looking for cheap houses for sale, is to try to find a home which has a rentable apartment attached, such as a little duplex where you could live in one half and rent the other to help make your monthly mortgage payment. The cost of this type of home might be a little higher than what you have in mind initially, but could potentially have a big payoff on the other end as your income property pays the lion’s share of the mortgage payment. If you are looking for cheap houses for sale, don’t discount the value of manufactured housing. These mobile homes, as they are also called, give you more bang for your buck in many ways than traditional housing. Because these are constructed assembly-line style in a factory setting and moved to the site, the labor cost and materials are much lower. This savings is passed on to the consumer, who then has an option on a very affordable home. And to save even more money, look for a previously owned mobile home, which has already seen the bulk of its depreciation. These homes can be as roomy and comfortable as traditional housing at a 30 to 40 percent savings for the same square footage. Arm yourself with tools such as the classifieds, your telephone, and a map of the city and begin your searcha little research and effort will find you no shortage of cheap houses for sale to choose from. Pinewood Estates offers a unique, family-friendly manufactured housing community. Our homes are attractive and affordable even on a tight budget. Visit us at http://www.pinewoodestatesmhc.com or http://www.pinewoodestatesmhc.com/homes_for_sale.html to see what is currently available and for information on great offers to make it even easier to afford a home at Pinewood Estates, easily the nicest manufactured housing community in Idaho Falls. Article Source: https://EzineArticles.com/expert/Leni_Davenport/1487888 http://EzineArticles.com/?There-Are-Many-Options-When-Looking-For-Cheap-Houses-For-Sale&id=8418186 Rent To Own Home Buyers - Be Encouraged, Not Afraid Rent To Own Home Buyers - Be Encouraged, Not Afraid By Christina M Johnson Many potential rent to own (RTO) buyers are needlessly being frightened away from an opportunity to become home owners when today’s market could mean securing a much better quality of home for their money. Like any business transaction there are risks for both parties, but by being aware of them, you don’t have to be scared away from a potentially great opportunity. Especially now where sellers are competing for the few qualified buyers available and if they can’t afford to offer an unbelievable deal, they have to look for other ways to sell their homes. At the same time, there’s a large pool of otherwise responsible buyers who’ve lost homes due to upside down equity, or, like many Americans, have had other recent financial difficulties. Since banks are not lending easily, the climate is good right now for successful lease to own opportunities for both buyers and sellers. A primary concern is that buyers who later decide not to purchase the home lose all the money they initially put down. Down payment, or purchase option money, is not returned because typically it’s similar to the amount of a first and last month’s rent and damage deposit, although that doesn’t mean your first and last month’s rent are paid, and many sellers may still request a damage deposit. Also keep in mind that like a traditional home sale, if you back out down the road because you change your mind, you don’t get your earnest money returned either. Typically the amount down is far less than what a bank would require, and like banks, sellers are taking a big risk with their life’s primary investment on strangers with credit issues. There are a lot of great buying candidates out there but at the same time, there are a lot of duds out there, too - and no one has a crystal ball to differentiate between the two. Sellers are looking for a serious buyer that will be diligent during the lease period to fix their credit so they will qualify for a loan. If the house price seems a few thousand dollars higher than the neighbor’s home for sale consider that a rent to own seller has to wait 2-3 years for their home to close while the buyer test-drives his decision to purchase. It’s a fair trade-off and common business practice for riskier and longer-term ventures to be compensated at a higher rate. A Rent To Own Program is a great option to reduce the risks for both parties. They are a third-party who has invested in the sale of the rent to own home and are financially motivated for a successful sale to the buyer. They will look at a buyer’s credit and income situation and determine length of lease years they think it will take the buyer to qualify for a traditional loan and then spend that time working closely to help the buyer fix their credit. Rent To Own Programs have great advantages to sellers such as not paying fees, closing costs or sales commissions, and those advantages could make buyers think the program is designed only for sellers, offering no advantages for them. But unlike a real estate agent who typically is either working for the seller or the buyer exclusively, the program’s focus is on the closing of the sale, because the owner and the program provider make their money when the home is actually sold! A successful program will credit a significant portion of the buyer’s monthly payment towards a down payment or a reduction of the home cost. Also included are any fees for credit repair services so the buyer will qualify for a bank loan at the lease end. At that point, the buyer needs to be dedicated and follow the credit rehabilitation plan, which can be difficult. A buyer may...