To get a mortgage right now, you will need to need to meet strict standards. You may not even be able to get a mortgage to cover the house. $25K would be a sub-prime mortgage based on the amount (I believe anything below $50K is sub-prime) and sub-prime mortages are even harder to find.

Pay off the credit cards completely. Put money into savings every payday toward downpayment and closing. You may have to wait till credit thaws before you can find a mortgage. You won’t be able to dump all your debt into the mortgage.

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Tags | consolidate debts