About First time buyers for foreclosed home no credit or down payment

First time buyers for foreclosed home no credit or down payment?
me and my gf have been together for a long time and want to purchase a home. The story is long so hope you like reading. There was a home that a friend of mine moms owned. I loved the house from the start. Problem was she was a bad horder and didn't take care of the home well and had it taken away. I just found this out recently and it's on the market. I know the house will need some work and willing to do it. Both sides of out family are very well in the home building and plumbing and know more than welcomed to help fix up the home if need to be. Neither of us have credit or a down payment but have researched much about it and there are help for buying homes with no down payments or help with down payment and no credit. I have a very good family friend who helped my parents whos been a realitor for 12 years and has his own company in town. I have not spoken to him yet for I want to research alot first before bothering him. Me and my gf want to get married in a few years after we have our feet on the ground and have a home and get married and start a family. Need to get some opinions and if knowing the home helps heres the address. It's 1919 dority rd toledo ohio. The home is for 59500 and is a great price we believe can affored for by what I've estimated with taxs should be about 500 minimum to 700 max which we can afford thanks for your answers
Renting & Real Estate - 3 Answers
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1 :
There are no federal programs for first-time buyers and most local programs ended a few years ago. You'll need to find out if your city has any specific programs (some still do). No program helps you around having no credit - but it might help you with some down payment money. You will not be approved by a lender without decent-to-good credit -- unless you can find a private investor willing to loan you the money (unlikely). Good luck to you.
2 :
In order to purchase a house of any kind you would need a down payment as well as a credit score that would allow you to apply for and be approved for a mortgage loan. Before you bother your realtor friend the best thing you might do is apply for a FHA mortgage loan with a FHA lender.. FHA has a program where you might get the down payment from relatives, friends and charities. The down payment could be as low as 3.5%. If the price of the house is as you say then the down payment would be around $2,360.00. If your offer is below the asking price your down payment would be less. The down payment from friends or relatives would have to be a gift. It can not be an under the counter loan. Whom ever give you the money would have to sign a letter indicating that this is a gift and not a loan that you would have to repay. You, in all probability would be required to come up with closing cost of your real estate purchase. This could be around $1500.00 which you would have to show as an asset in your bank account, 401K or some other financial instrument that you would have immediate access to and would have use of these forms. Call a mortgage broker that do FHA mortgage loans. Once approved contact your real estate friend. If you are approved then everything else would fall into place. You and your girlfriend should make an agreement between the two of you as to the division and who would live and pay for the property if things do not work out between the two of you as you plan. It is too late after the yelling and finger pointing start. I hope this has been of some benefit to you, good luck. "FIGHT ON"
3 :
If you don't have money or credit then what is your question? Even if the property was given to you how would you keep up with expenses? The two of you need to focus on the next two years of getting things right. Steady income that is reported to the IRS, money in the bank, little or no debt, credit score that will allow you to apply for a loan. In two years you could have money for a down payment, be married, have a good credit score and be ready to look for a house to buy. It is better to wait and do the above. You will let this house go but there will be another one that hopefully will be in better condition.

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About How can I make money as a poor college student in serious debt

How can I make money as a poor college student in serious debt?
I'm living on my own and my parents aren't paying for school. I live in the Toledo, OH area and was originally from Monroe, MI so jobs around here are hard to find. Even when you can find them, they only pay 7 dollars per hour and they don't give you enough hours (not that I can take them anyway, being a full time student). I did work one of those jobs at one point, and after rent was paid I still didn't have enough to pay my other bills, so it seemed a bit fruitless. Now I'm living off of loans I know I won't be able to pay back, and I don't want to take out too much because I don't want to endanger my cosigner. I'm in a lot of debt because of medical bills and some other things I probably shouldn't have done but seemed like a good idea at the time, like joining a sorority (not drugs or shopping or anything). I need to make money fast to get this stuff taken care of. I don't want to whore myself out, and I've thought about selling drugs, but I'd rather do something a little more rewarding and... legal? My house has no heat and there are roaches in it and the landlord won't do anything about it. My life is shit. Thanks for putting up with my bitching, I don't mean to do it.
Personal Finance - 2 Answers
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1 :
you should sell your belongings on craigslist or offer them to your friends. You can also try being a gogo dancer at clubs (if there are any) or you can collect cans and recyclables. You should go to churches or other places where you can get food (and that should spare you some money)...other than that I say dont do the drug thing ever..imagine if u get caught? that will hurt your chances of getting a good job since you are pursuing a degree. Also, talk to your intructors and let them know that you can clean their homes, wash their cars, etc and they should have some jobs available.....
2 :
Your budget is like a bag with two ends. At one end, money goes in, at the other end, money goes out. You can increase the contents of the money in the bag in two ways-- increase your inflow our decrease your outflow. Learn budgeting, including savings and why you need to put a bit aside each week no matter how little you make. Check out this web site: http://www.moneylife.org/ Live at your parents, be frugal and live on a budget, work part time (yes even minimum wage jobs help but high end waitressing like cocktail waitressing can be lucrative), go to a state school, get financial aid, major in something that will pay off. Wear long underwear, use an electric blanket, eat cheap, and put out roach prufe. You are young. It seems like nothing will ever come but if you are a good steward, it will. 

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About For pharmacists only

For pharmacists only!! Thank you!!?
I just got accepted into columbus state community college where i am doing a transfer science program... after those two years I am going to Toledo University to become a pharmacists but i have some questions... 1. first of all will the two years in community college focusing on science and math help me? 2. Is there really competition for pharmacists? I always thought that there wasn't because they are in such high demand? 3. At what age did you graduate and was it easy to find a suitable place for you to work? 4. Be completely honest! I know pharmacy school is hard but exactly how hard? Thank- you so much!!
Higher Education (University +) - 1 Answers
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1 :
For reliable information about pharmacy check the website of the AACP - that is the official national organization that coordinates info about all accredited US schools of pharm. In theory, at least, you can get into pharm school from community college, but the competition is tough. You will need excellent grades in all the prerequiste courses. Usually prereqs are a year of bio with lab, a year of general chem with lab, a year of organic chem with lab, and some other courses. There is a big demand for pharmacists so the money for pharmacists is great - they make about $80,000 a year or more. But there are only about 80 colleges of pharm in the USA (out of more than 1500 universities) and many of them are rather small, so there are just not very many spaces for students who want to enter these schools. That's why you need to have top grades and top recommendations, as well as a high score on the difficult PCAT test (similar to SAT but much harder). The courses in pharm school are pretty hard and involve a lot of difficult materials - kind of like very advanced biology and chem. Becoming a pharmacist is a great career, but you need to be dedicated and hardworking and smart to make this dream come true. Good luck.

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About Where should I go to college

Where should I go to college?
I'm going to be a senior in high school and I want to major in marketing. I have a 4.3 GPA, a 29 on the ACT and a handful of extracurriculars. My mom wants me to stay in state (OH) because it's cheaper, but i'd love to go to a bordering state. My dream is to live in Chicago and work for a large company but in order to do that, I want to get into a school with a good business program. Here's the colleges I've been looking at so far: Miami University (Oxford, OH) Ohio State DePaul University Loyola University Purdue University University of Pittsburgh University of Cincinatti Butler University Syracuse University University of Toledo Indiana University Freed- Hardeman University Lipscomb University The last two are christian universities. I'd love to go to a christian school, but I'm afraid I won't get the type of job I want if I don't attend a very well known business school. If I don't attend a christian school, I definately want to be a part of a larger campus ministry. Also, I've heard that Miami University is very preppy, and I'm not sure how well I'd fit in there. Sorry this was so long, I just don't know who to talk to about all of this. If you have any suggestions on where else I should look, please let me know! All of this is really stressing me out.
Higher Education (University +) - 4 Answers
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1 :
Ohio State and University of Cincinnati. Stay in state- save your money. You will need to go to grad school anyways and that will add to your total education bill. You live in a state with good schools- use them!
2 :
haha I'm in a very similar position as you, I'm an upcoming high school senior, so I actually am not the person to be answering, but you mentioned that you don't know who to talk to. If you have a favorite teacher in your school, or your guidance counselor definitely should be able to help you. Also, do you know any friends who are already in college? Maybe try talking to them too.
3 :
Miami should be your first choice, since you want to go into marketing. That school is highly respected in the world of Ohio business, and you'll make some very valuable contacts there. Visit the campus and take their tour. You'll probably like it. OSU and Cincinatti are also good schools, but I don't think they have any special marketing/business reputations. Out of state, the University of Pennsylvania (not Pittsburgh) is the #1 ranked marketing school in the nation. Indiana is also among the best schools. (US News 2008 ranking)
4 :
Depends on how you define "good." To be honest, I don't think it's going to be absolutely vital to go to a name-brand school as an undergrad. That having been said, there are a couple schools (prestigious according U.S. News & World Report's rankings) that aren't that much farther away that you could try, most notably Michigan. (I'm using USN&WR simply because it's the one that most people look at, much to my chagrin.) If you're OK with attending your state school's rival, I do know that the business school is pretty respected and that many people get placed into well-known companies, but I assume that's the case for many business schools; business students are usually really driven. Certainly, in-state schools are probably cheaper, but I think that with a background like yours, you'd be eligible for a pretty good financial aid package, which may or may not include scholarships. I'd probably restrict myself to a couple out-of-state schools and a bunch of in-state schools if price is a big factor for your family. Not to say that the in-state schools aren't as good; they may actually provide a better, more individualized learning experience than Penn, Pitt, OSU, Mich, etc. The big-name schools are generally research institutions, so a lot of the faculty is hired with research in mind; teaching may be a secondary concern. That having been said, I personally feel as if you're buying too much into the prestige thing. It helps with connections, true, but getting a job is just as much about advertising yourself as it is your social capital, so I don't feel that going to a smaller school or a Christian school hurts you as much as you seem to think it will. If you want a compromise, you could look at schools like Wheaton College (highly-respected Christian alma mater of Billy Graham) or... Carleton College (A book I read I think said that Carleton has cranked out the most CEOs as of a few years ago, but my memory's fuzzy). Of course, it's going to depend at least partially on your drive to succeed at whatever school and in whatever jobs you end up in. As far as an on-campus fellowships go, even if you go to a Christian school, I think it's definitely worth your time to join a fellowship. I have friends at Wheaton who find their fellowship (Koinonia) a much more intimate expression of their faith than just heading to the school-required stuff. Personally, though a couple conferences run by InterVarsity, I've gotten to know the OSU IV staff and the revived Pitt IV chapter, and they strike me as being very solid. A couple of other friends from my time at Mich really like Campus Crusade and the Navigators (This guy was with Mich's IV during med school and Navigators at UCSD during undergrad), so I'd heartily recommend those if they're on whatever campus up you end up on. If you go on college visits, see if you can schedule a time with a campus staff worker and talk to him/her about the group's beliefs, pros/cons, and atmosphere. Most of the info (or at least a contact page) is available online, so it shouldn't be too hard to do. College is one of the most influential times in your life, and if you want to grow your faith, it's gotta be nurtured well. If I can (try to) help in any other way, feel free to send me a message.

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About I wanna Be a Pharmacist. Please help guide me

I wanna Be a Pharmacist. Please help guide me?
Okay now I know there are other similar questions on here but not what i'm looking for. I'm 17 years old and a Junior in High School. I have a Accum GPA of 3.7 and Take mostly honors/ Post-Secondary classes. I am your typical high school student, football, basketball, baseball, and some clubs and NHS. I wanna know, what does a kid like me do to become a pharmacist? It has always been my dream and I always research ways to better myself. I live in Parma, Ohio and I am considering attending Toledo, OSU, Kent or Akron (Kent & Akron dont have Pre-Pharm but a medical school that runs off of it after 4 years) So what should I do? I have talked to teachers and others and I want more opinions. I already planned my visits to these colleges, I am taking my ACT in 2 weeks. I work at Giant Eagle, Should I talk to the pharmacy there? See if i can volunteer? I dont know. Just please give me all the help possible. Anything will help, thanks.
Higher Education (University +) - 3 Answers
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1 :
Well I work at Giant Eagle too... I will speak about the Utoledo program....you will start out pre-pharm and take two years of undergraduate classes. These entail your gen chem, organic chem, bio's and physics as well as calc 1 and 2 as well as anatomy/phys. You will then apply for the "professional division" and if accepted (must maintain very high grades) you will start as a first year professional pharmacy student and continue for four years until graduation as a PharmD where you will be able to work as a pharmacist. UFindlay has a program that is also 6 years and you are guarenteed a spot when you get in after HS. Kent/Akron go through NEOUCOM and require you to apply similar to Utoledo. It is important to say that for all three of them if you dont get in after your second year you can apply again. OSU requires you to graduate and then apply to the pharm school as a graduate program and so takes 8 years similar to a medical school. Just to let you know i am starting med school but i can answer most questions related to pharmacy as i work there now.
2 :
There are 2 options: BS in Pharmacy - cannot prescribe medication to patients. Doctor of Pharmacy - can prescribe medication to patients. Most students will go the pre-pharmacy route in college, get some volunteer or work experience and then apply to the Doctorate program. A BS in Pharmacy is not required. Any major is acceptable so long as you take the pre-pharmacy list of courses. I know a Pharm.D. grad who has a business degree but took the pre-pharm courses to qualify. info: http://www.pharmacy.purdue.edu/academics/prepharm/curriculum.php good luck!
3 :
Check out my alma mater--highly regarded best bang for buck! And much warmer weather. http://www.swosu.edu/PHARMACY/ Admission as an undergrad is no problem. Getting in pharmacy school after two years is hard as hell.

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