Are there any Real Estate agents out there?

I need to find a place to stay by May 08 for at least 5 people, and rather than find somewhere to rent where it's possible we could get kicked out with nowhere to go, I was thinking about trying to buy a house, as the mortgage payments would be about the same as rent here. We don't have much money, we live pretty much paycheck to paycheck, so we can scratch out a downpayment. I wanted to go to an office to talk to someone about what to expect, but I'm nervous and feel like they will laugh at me. Anyway, what can I expect? Is there a process that I'll have to go through? I don't have much credit, none of us do, but we're all working adults.

Other details include: We're in Hawaii, and the houses here are between 500-750K. We're not looking for anything fancy, and we realize we'll be paying for a while, but what are our chances realistically?

1. See a bank Loan Officer or Mortgage Broker and get prequalified to find what price home you can afford.
2. Have a Realtor show you homes in that price range.
3. Make your decision.
Good Luck and I hope you find a home suitable for your desires.
DomNap

0000 have to be one person income or married

have you heard about the mortgage crisis? you have no chance at all. sorry.

Your chances are slim and that's being nice.
If none of you have much credit and don't have the money to put a down payment down then you will not get approved for a loan (especially for a house that is between $500,000-$750,000).
Also, you said you don't want to rent because you are afraid of getting kicked out- why would you get kicked out? If you didn't pay rent then you would be evicted, but the same goes for a house. If you do not pay your monthly mortgage payment then your house will go into foreclosure and you will lose it.
You need to wait until you have money saved up and until then you'll just have to rent.

A 30 year fixed rate at 7% on $500,000 = $3326.51. You said you could buy for about the same price as you are paying for rent; is that what you are paying in rent?

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