For those who can afford it, now is a great time to buy a house. Foreclosures are making areas that were formerly unattainable rather affordable. Unfortunately, it’s also extremely difficult to take out a loan right now. Traditional lenders are worried about their bottom line and only want to extend money to the most credit-worthy. If you have not-so-great credit, difficult-to-prove income, a sketchy employment history, or less than 20% down, you may not be able to take out a traditional loan. However, there are other options available.

We’ve gathered together some of the best information on creative financing strategies such as seller financing, hard money loans, and peer-to-peer lending. We’ve also created guides to more common (but still easier) ways to buy a house such as FHA loans or non-traditional bank loans.

We’ve banished the advertising to the sidebars…so, don’t worry about pesky referrals finding their way into the content. All the guides and articles are just for you. Hopefully, some readers will find a way to purchase their dream homes. Hopefully, some will decide that creative financing just isn’t right for them and will work on qualifying traditionally.

If your questions aren’t answered here, you can find more help in the forums. We hope it becomes a community of borrowers, lenders, and mortgage professionals – working together to give each other a hand.

We hope you’ll come back and read our blog regularly. We welcome feedback, so please feel free to leave a comment or drop us a line at admin@creativefinancing101.com.