Buying a House Using Lease to Own

From everything I've ever read about this, it is a very bad idea. You'll be paying far more for rent, just a tiny bit will go to the purchase. You'd be far better off to rent as cheaply as you can, and spend a year or two saving and making your credit score as good as it can be.

Also, if you miss any payments, you could lose all you've paid toward the purchase.

People who sell properties as lease/purchase are often shady characters who prey on folks with poor credit. As long as your credit score is low you have few options, so please fix that first.

Right now you can buy a foreclosed house for very little money. I'd try more real estate agents, housing agencies, etc and keep on asking for advice. But please don't rush into a lease/purchase.

Yes definitely. You are correct about mortgage companies relying on credit scores and they have recently raised the credit score required to obtain a loan. FHA is not as high and would probably be the best avenue for you. I was surprised to read that a realtor would not be able to assist you. I am a realtor in Pennsylvania and certainly would be able to help you here. Your other option is a real estate attorney. Also, I would imagine there is a Housing Authority in your state, you could try contacting them for assistance. Good Luck.

Yes it a good idea, find what you want & talk with lawyer about the one that owns the place. They can find out if they are o k to do business with, be sure to have a signed contract by a lawyer, good luck.