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Anon on credit scores
(sh.itjust.works)
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this post was submitted on 23 Oct 2023
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My guy, the shitholes where I live sell for $100k minimum, and come with several hundred a month in lot rent, because they're trailers. A shitty condo is $200k or more, plus, again, a few hundred a month in association fees. I could move somewhere with a lower cost of living but I'd easily take a 50% paycut, so I'd be in the same situation. It's not about not being willing to live in crappy places, it's about even the crappy places being well outside of what nearly everyone can afford without a mortgage.
You really should take advantage of any first time homebuyers programs you have in your state, and talk to a real estate agent to keep a look out for you. Deals pop up all the time, and the reason you're not seeing them is you don't have access to the multiple listing network (MLS), while a real estate agent does. All you see on the market is "what's left", after shit gets snagged up. You have no idea what's available out there.
Yeah, I'll get right on that.
You can lead a horse to water, but you certainly cannot make it drink.
My point is that you can't just buy a house without credit these days. There are no homes at cash prices, at least not the kind of cash most of us have or could get in any reasonable amount of time. JuSt BuY a UsEd PhOnE (and also wait for a massive recession)! So easy!
You can.
First time home buyers programs. I've seen people left and right with no credit whatsoever manage to get a house through these assistance programs.