First-Time Home Buyer Programs with Bad Credit in Wilmington

We offer first-time homebuyer programs that are helpful for families with bad credit.

One of the reasons why some families continue to sign leases is because they do not believe they can become homeowners when their credit is less than stellar. The reality is that with the right guidance, a family with bad credit can attain the dream of home ownership. At Get That Deed, we have helped more than 80 families in the Wilmington, North Carolina area become homeowners, and we have another 40+ currently in our program to attain this dream in the near future.

First-Time Home Buyer Programs with Bad Credit in Wilmington, North Carolina

Our first-time home buyer programs for families with bad credit involve developing a personalized game plan based on your current financial situation and your desired date of home ownership. If you follow our program, your family could be stepping across the threshold of your new home in 18 months or less. If you need a little extra help staying on track, we recommend our monthly accountability system that will help you keep your eyes on the prize so you can reach your goal in the timetable you desire.

"Brenda is in a class all her own.”

"Brenda Dixon is definitely one of the most gracious and knowledgeable professionals I’ve ever met. My absolute FAVOURITE realtor! When it comes to helping those who are just starting their homeownership journey, Brenda is in a class all her own. Her expertise extends beyond first timers though. She can help investors too. Such a unique experience and delightful experience to work with Brenda Dixon."

★★★★★ 22^th August 2018 - James D.

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Services We Offer

First-Time Home Buyer Programs

With our help, you can be a homeowner in the next 18 months or less.

Community Partners

We partner with leaders, employers, and municipalities that care to provide information sessions and presentations in the community showing how to achieve affordable housing through home ownership.

Real Estate Investors

If you have homes under $300k, we have several ready, willing, able, and eager families ready to purchase. Let’s help each other and get your properties sold!

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We’ll help you navigate the homebuying process.

Our ultimate goal is to break generational tenant cycles and help families attain home ownership. Our first-time home buyer programs for families with bad credit involve a simple, systematic process that empowers your family to not just attain home ownership, but do so faster, with less stress, and with fewer surprises along the way. Let us be your support system to attain this most important milestone in your family’s life. Call today to schedule a 30-minute consultation and get a customized game plan that could be a real game changer for your family’s future.

FAQs About Buying a Home with Bad Credit

At Get That Deed, our team is passionate about helping first-time home buyers make one of the most important investments in their lives. We believe that everyone deserves a place to call home, and we’re committed to guiding families through the home-buying process, no matter what their credit score may be. If you’re worried about purchasing a house with a lower credit score, we’ve taken the time to respond to some common questions about our home buyer programs below.

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What is considered to be “bad” credit in the home buying process?

Many traditional lenders consider anything below 620 as “bad” credit, but it’s important to recognize that a low credit score doesn’t necessarily disqualify you from investing in a home. There are alternative routes to home ownership, including certain loan programs that look for other signs of financial security, such as a strong rental history or proof of consistent income.

Will I need to make a larger down payment on a house?

This can depend on what type of loan you choose. For example, some lenders may require you to make a 10% down payment if you have bad credit, whereas FHA loan programs can require as little as 3.5%. We encourage you to work with our knowledgeable team to identify the optimal solution for you and your family’s situation.

How can I improve my chances of getting approved for a home loan?

We strongly recommend gathering all documentation that proves that you have a steady source of income, have made efforts to pay off debts, and have a strong rental history. If you can reduce your debt, this can help show lenders that you’re trustworthy and capable of paying off a home loan. Finally, following our proven first-time home buyer program can give you the tools and knowledge you need to make this important investment. Please reach out to us today to schedule your consultation.

First-Time Home Buyer Programs with Bad Credit in Rocky Point, NC

Why Choose Get That Deed?

At Get That Deed, we know that there are many families throughout the country that would love to be homeowners. Homeownership means so much more than just having a home to call your own. Here at Get That Deed, our official rally cry is that “When mama and daddy owns, so do the kids. Homeownership is the #1 way the most DESERVING families achieve financial stability, wealth, legacy and inheritance.” If buying your first home is something you would like to do, but you don’t know where to start, our hands-on, first-time home buyer approach is the solution. It is our goal to break generational tenant cycles and help families achieve homeownership. No matter what your current financial situation is, if you have the desire, we can help you purchase your first home in the next 18 months or less if you follow our proven steps.