By: Alan Aptheker

It’s time for buyers with poor credit to rethink about shrinking from their credit issues. Buyers slink slowly away from the home buying process, without asking the most basic question of the seller, or approaching the listing realtor with the proposition, “would the seller consider owner financing?”  Here’s the ironic part – many potential homebuyers can afford to pay for a home, but their credit score is the high barrier to realizing their goal.  More after the break...

I know a guy who did a short sale back in 2007 when he lost his $120,000-a-year position with a major bank. He did a lot of freelance writing, got his real estate license, and make it through the following 18 month subsisting pretty well as he doggedly pursued…