Realtor/Lender Frustrations!!

Hey Jeremy, long time no hear from!!!

The first thing I thought of after reading this is finding a seller willing to go Land Contract, where you pay a down payment, monthly payments for a certain period of time, then one balloon payment at the end! I do t know if that is an option in Colorado, but it happens all the time here! Most older sellers like this option because they get a substantial amount up front, and monthly payments, which are not taxed the same way as a one time payment, which is subject to huge capital gains taxes! This also gives you time to finance the balloon payment at the end, and buys you time to up your credit score and lower your debt, which you are already doing! Most land contracts I've seen average 5 years around here, but it is the option of the seller to make the terms!

Just throwing something out there, hope you get a nice place, and soon, sounds like you can do it financially, just need the right break!! Geof