That's an interesting question. By asking it, I wonder if that means that you are trying to find a way out of a real estate contract to purchase? If so, there are a number of things you may be able to do as part of the contract, to withdraw without penalty, unless you have waited too long. If the final step is to get the lender to deny your loan, then you basically have to have some financial circumstance that would cause your qualifications to be denied, like buying a new car, and creating a car loan, which would alter your debt ratio. As most lenders would not be likely to think kindly of you withdrawing after all their work, they may not be willing to give you an easy answer on that issue. If they would, they could tell you what you would need to do to be denied. Normally credit issues or debt issues become the major culprits in causing people to be denied financing.
You have a challenge in this market. I normally recommend that you look on Craig's List, and also check the Denver Post Classifieds. The rental market is tough, especially when you have pets, as landlords don't have to accept them when there is a scarcity of decent homes available. Good luck!
That's really a question the owner/landlord will have to answer. There may be some who would consider a short term lease. Most will not.
You can contact the County Clerk or Public Trustee, who should have the name of the mortgage holder on file. Typically it will be the lender who will become the owner, through whom you can discuss a purchase. Normally lenders will have their own Realtors with whom they will list the property, once they officially become the owner of record. Your Realtor can assist you in that process.
You contact the Realtor of your choice, and they can assist you in doing what's necessary to put your house on the market. They will want to do a Market Analysis to determine marketing position, but that is part of their preparatory service to you.
There is plenty of financing available in today marketplace, with wonderful interest rates. The key is not whether or not there is money, but what is your financial and credit standing. The higher your credit score, the cleaner your financial history, the easier it is to get a loan. I can certainly recommend someone to help you assess your posture, if you'd like?
This property is Under Contract, and just waiting for the bank to approve the contract, so not available for a rental option. Normal lending guidelines require a minimum of 3 years after a foreclosure(5 years if using conventional financing) depending on the reason for the foreclosure. So it may be premature to consider a purchase presently. Keep working on honoring your credit obligations, and check with a lender in another year to see if you are eligible.
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