I want that beautiful dream house i saw, HELP!?

After ALOT of hard work %26amp; determination, I am almost out of financial debt. It hasn't been an easy task. But I was %26amp; am determined, and i am half way there. I work overtime, cut expenses, budget tightly, fiercly and well. I have saved, saved, saved! The rate that i am going i will be completely debt free no later than June 2008! Armed with that info, i recently was browsing a real estate site, and fell in love with the house of my dreams. I want that house so bad! the mortgage is 4 thousand dollars a month. the down payment is flexible. i have had a run in with bad credit history. my credit history looks like a bomb. I am wondering, does anyone foresee me getting this beautiful house i so desperately want. I desire it so much. I'd do anything to obtain it. any suggestions? this house is so everything i want! any consults out there on how, ifs and where abouts and steps i could take? i dont think that i will be hitting the lottery, but i'd love to buy this house %26amp; call it my own! :)I want that beautiful dream house i saw, HELP!?
why dont u go with something a little less and give your self enough time to save save and save some more and maybe you will save enough to flat out buy the house with out having to get a loan!!I want that beautiful dream house i saw, HELP!?
I'm concerned with the following: ';The mortgage is 4 thousand a month. The downpayment is flexible.'; The monthly mortgage payment is dependent on the amount financed and the interest rate. The amount financed is dependent on the selling price and the amount of the downpayment. How can you know the mortgage payment without knowing the downpayment?
That would be tough, you would be very lucky to get a loan. $4k is a lot of money ';Per Month.'; Shoot I can't even afford it. My husband and I are looking for a house, and we think a $2k p/mo is a lot, and we have a good downpayment. Think of $4k mortgage plus all utilities and expenses for the month that you would have to pay and then consider how much income you bring home? Do the math. Then you would know if you could afford it. You would have a dream home, and all your hard work would be paying the house and you wouldn't be able to do anything else like buy furniture, save decently, or go on trips. When you get paid, try paying yourself first by putting that $$ into a savings account and not touching it and use what you have to to pay your other bills. Someday you will have saved up a lot for what you want. Be patient. We are.



Hope this helps. Don't mean to rain on your parade. ;)
Marty, from Premium Loan Sharks, looks for victims, mostly newbies like you, here. He is a scammer victimizing some of the naive people here. Yahoo routinely kicks him out, but he continues.



Do not contact him, he has no intention of helping you anyway. Unless of course you count helping you out of your life savings.



Sadly, I think you are not beign realistic. For starters you need to keep in mind that taxes and insurance on a house that expensive will be another 1,000 a month, at least, most likely more.



You will need to have a household income of about 12,000 a month to qualify, ignoring your credit score.



Also, as pointed out already, your information sounds like someone running a scam. There is no possible way to determine a monthly payment with the downpayment beign a specific amount AND the loan for a specific interest rate. There is no rate that all people qualify for or will accept.
ONLY FOOLS BUY NOW. Prices are dropping by 10k a month here in California. Why would you pay 400 for something that will be 300 in one year? The point is BUY LOW AND SELL HIGH. Anyone who thinks this is the bottom is a TOOL.
Pray on it honey. God gives you the desires of your heart. I wish I could afford it--G 4000 is a lot.God bless