I need some support or advice

[mues155]

mues, I can feel for you. My finances kept me from getting a home for a few years.

I ended up buying a mobile home. It needed work, but the biggies (electrical, plumbing, windows, roof, furnace) were functional. It's not a palace, I still have trimwork that needs done and some nasty carpet that will be going, but I bought a 3 br with huge deck, consignment store furnished it, and made some repairs for well under 10 grand. With utilities, lot rent, taxes et all, it's only going to run me around 500 a month to live here. For the first time I have my very own snake room.

Home doesn't have to be an apartment or a traditional house. This is the second mobile home I've gotten and furnished for under 10,000. If I had been willing to do more of the work myself I probably could have pulled it in for around 6,000. If you're looking for luxury this is not a great route to go but if you're looking for comfortable and having money left over at the end of the month, you can't beat it.

Ive thought about buying a mobile home as well but all of the courts in town here have a cap on the animals you can own. Only one court in town lets you have more than one dog, and the others say the dog must be less than 50 pounds.
And im sure a house full of snakes wouldnt go well with them either.
Moving into a mobile home just doesnt seem to me like a step forward. Sure I would OWN it but I would not own the land and I would still have people making rules for me. Plus theres the fact that most mobile homes depreciate in value unless your crafty and able to make improvements yourself.

You could go through a private seller, or do a rent to own. Also, deposit everything you earn into your bank account. Just because your paycheck isn't big doesn't mean that you don't make enough tips. Depositing the funds gives you the paper trail and proof of income that you say that you don't have.

The guy I went to was supposed to be #1 in first time home loans in the area and I thought they could just look at my deposits too but its not legit enough to a bank. I had brought that up to him as well.

You declare tips, right? And it's still not enough for them to give you a loan? That seems weird. Have you talked to other banks? I work with a waiter that owns a pretty expensive house and got a loan for it. Sounds weird to me. I'd get another opinion...how are bartenders, waiters and other tip based professions supposed to buy houses?

Were only required to claim $1 a shift.
We dont get taxed on it which is nice but when it comes time to wanting a loan...it sucks.

Are there any seller financed or land contract houses in the area your looking? That can be an option when you can't get a loan

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Thats an idea. I will have to keep my eyes open and do some research on any that would be available.