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I am mortgage shopping and don't know where to start. I don't think big banks will like me because I have a charge offs. I don't have money for down payment and to payoff the chargeoff so I'm looking for lenders that will be okay with my charge offs. They are old anyway.
I must be missing something. How do you plan to buy a house if you have no money for down payment and also none to cover closing costs and reserves [I'm assuming]?
@ezdriver wrote:I must be missing something. How do you plan to buy a house if you have no money for down payment and also none to cover closing costs and reserves [I'm assuming]?
I think this person means he/she cannot afford both paying off the charge off and down payment. Probably has money only for down payment.
In any case, I have heard about bayou city mortgage once or twice. Google it. I can't vouch myself because I havent used them. I think they are a mortgage broker.