• Pace Morby

How to get a home with no or bad credit

Getting a home is a right of passage most millennials are trying to get through right now.


It seems like such a complicated process and most people don’t even know where to start. The process usually goes something like this:


  • Go give someone at a bank your personal info and let them tell you whether you’re allowed to get a house.

  • Get a realtor.

  • Give them a list of what you want in a home.

  • Give them way more time than you want to find something right for you that checks your boxes.

  • Inspect the property that doesn’t, in fact, check all your boxes and is way too expensive.

  • Start all over…


Round and round you go.


And then - on top of everything else - if you get it all to work out, you still have to pay even more money so the realtor gets paid too.


The process usually takes about five to six months total. Do you want to wait six months for a house?


It’s frustrating, to say the least.


So what do you do if you’re someone with a less than stellar credit score?


You can’t even start this process because you’re not seen as “reliable” or “worthy” of paying a bank back.


Hurray, so fun.


Now, if doing all that sounds good to you, you’re welcome to do it. But what if there were a better approach?


Believe me when I tell you that you can get a home without running your credit or taking on a loan to pay off a previous homeowners loan. The basic breakdown is here.





You can really get a home without having a huge down payment or running your credit at all – so it doesn’t even matter what your credit score is!


Same thing goes for you if you're trying to invest in real estate. Stop pulling your own credit and getting huge loans that leech from your bank account instead of putting money in.


Want to learn more about how to do it? Come join the largest and best community of creative financers around the country who know all the ins and outs of how to get your hands on your own property.