No money...buy a house!

Post by our friend Khandyss Renee' you can find her on www.wordpress.com at Khandyss Blog for other tips, advice and inspiration!

3 ways to Buy a Home with No Money Down

HUD Homes

HUD homes are very easy to buy if you have a little to and patient to invest. Here are a few basic steps to making this purchase simple, easy and stress free.

·         Decide what amount you want to spend and then look on the HUDHOMESTORE.com to find a house in your price range. Note: please do not wait to fix your credit, the bank will tell you what you need to do so go ahead and get pre-approved and don’t worry about your credit right now.

·         Go to a bank institution or credit union to get preapproved for that amount.  Now this is a little backwards but if you go to get pre-approved before looking around the market first then you take the chance of getting loan sharked.  Meaning the bank may either try to offer you more money than you can afford or something out of your price range?  Therefore look around first before you settle on an amount.

·         After you are pre-approved, hopefully by this time you have found a realtor whose specializes in HUD but if not you can contact one of the realtors from the house listings.  Once you find a house on the HUDHOMESTORE website then your realtor will place a bid for you which should be a little over the amount that they are asking.  Once your bid is accepted you then you take a check of 1000.00 to HUD which is located near Paces Ferry in Atlanta, GA. Once you close on your home you will not only get 900.00 dollars back but also additional monies will also be refunded to you as well! 

So there you go you have just purchased a house with no-money down and then some.  Now mind you HUD does have some fees and deadlines but they are very minor so don’t worry about that part that’s were your patience will come in handy.  You time will come in handy dealing with the bank and looking for your home but once again DON’T WORRY!  God will see you through and you will be a home owner in no time!

Land Contract or Owner Finance

Land Contracts or Owner Finance are very easy as well, but often times these homes along with HUD homes need a little TLC.  The benefit to these homes is that unlike borrowing from a bank or credit union your credit score is not really a factor.

·         Find a company or owner who wants to transfer the house over to you.  You can do so but going online for land contract because now and days greedy investors by up all of the cheap land and houses so your best bet is to find a land contract online through a legit company that does them and yes, they are out there. To find an owner selling their home you can look online, the paper or just ride around in the neighbor hoods that you would like to live in and find owners advertising in their yards or windows.  You would be surprised what you find when you take your time and look!

·         Once you have found an owner or company than you can select a home from the ones that they have after you do that you can then close on your new home with no money down.

Court House Door steps

This one is a little tricky but if you can get past aggressive investors than this one works really well.  I know some of you reading these are willing and ready to fight for whatever belongs to you so this should not be a problem.  These one does not require a down payment but it does require payment in full which could range from 200.00 to 30,000 or more.  In some cases they let you put something down to hold the property if you need to go a grab the rest of the money.

·         Check in with your local county office to see when they are having the court house auctions.  Have money ready to purchase but prior to bidding go and look at the properties first and make sure it’s a house on the property and not just land.· Once your bid is accepted you fill out the proper paperwork to begin a fresh start in your new home!

In closing, keep in mind that even though these steps are not as hard as they may seem you still have a few other things you will need to do like:

·        1. Getting your home inspected and appraised

·        2. Getting your home spayed for bugs but this one you can do yourself

·        3.Any repairs that the home made need which can be negotiated with the seller

Even so these things are still not that costly and do not have to be done all at once but should be done as soon as you can.  On the next post I will give definition to the terms that I have highlighted or you can look them up yourself.  Go ahead and get started happy hunting and enjoy your new home because I surely enjoy mines!

Khandyss Renee’

Spiritual Indictment In my lost blog I talked about the difference between a preacher vs. a gangster.  I stated how there is not very much of a difference between the two.  For example I have seen drug dealers less ale than some preachers.  I have seen drug dealers turn down pregnant women and addicts who appear to be smoked out down for drugs.  I also seen drug dealers even turn down single mothers so that they might spend their money on their children’s needs.  But yet the common preacher does not have a problem with talking a single mothers last dime and when she needs something for her or her kids the church has no problem telling them no or they do this one-time gift thing.  This is where they will help you one time and that's it and please do not need help again or else! All the while most white churches help people one a daily basis with (food, clothing, shelter, transportation, and education) These things should not be.  The black churches should own shelters, transitional houses and food pantries just like the white churches do.  But instead they only make minimal contributions all the while purchasing and building more church buildings with the preachers name on it as if he build it his-self (pharoah).  The other problem with building these buildings is that they seem to always forget to build a place for people to sleep, eat, and to be educated. This leads me to my point.  Recently in the world there has been a senseless slaying of children.  Even yesterday the elementary around the corner from my had a shooting.  Thankfully nobody was hurt.  Just like in the bible days where Pharaoh sent to have all the baby boys killed because he was looking for baby Jesus our redeemer.  We are in a dispensation of time where the spirit of the End time Pharaoh has released a death warrant on our end time leaders which are the children.  The generation we live in now is more like Sodom and Gomorrah as the word says "Perverse generation". Our children are going to be raised up to prepare us for Christ return. In my conclusion, there is a thing in the justice system called an "indictment".  This is when the feds what a certain amount of drugs dealers at a time from anywhere to a year up to ten years.  While they are watching them they get all the evidence they can and then they go for the kill!  They indict a group of criminals at the same time with enough evidence they charge them and take them to prison. They is about to be a spiritual indictment for all spiritual leaders around the world that have been taking advantage of people.  I am not just talking character flaws I mean just the flat out overall mistreat and spiritual abuse of Gods people.  We are about to see this particular group of preachers fall at the same time. There has been enough evidence gathered in the heavenlies for this transition to accurately take place.  People of God, God has sent the end time Moses to declare to the end time Pharaoh to "Let His People Go"!  You are free because whom the Son sets free is free in deed and you are no longer in chains and shackles so please start acting like it!   Apostle Magdalene

His House

HIS HOUSE

Often times in the body of Christ we get Gods house confused with our own house.  God’s house is not ours but His, it and everything in it belongs to Him.  Today’s church leaders act as if they themselves own the church. When in fact the church is owned by a body of believers. Church leadership has to insure the banks that they have a constant amount of faithful members in order to secure loans in the churches name.  Therefore we the people own the church.  But why is it that we own no stocks or assets?  Let me ask you a question when is the last time you got a check from church?  Other than paid staff you are used to giving much to the church but not used to receiving much from the church.  I am not talking about blessings.  I am talking about the church giving back to its own in tangible rewards which would not be such a bad idea.  For ex.  Church’s given seed money to small business start-ups or down payments to first time homeowners.  Instead of doing this we a preached to week after week as to what God is going to do for us.  But I think it is high time the church did something for us as well.  Help us to walk in our destiny and not just preach to us about it.   Church leaders know what to do but it is a form of end time slavery when a church leader refuses to share the knowledge that he or she has with the people that follow him.  Any church leader is knowledgeable in several areas from being a business owner, to buying real estate, enterprising, sales and marketing, writing books and even how to get into the entertainment industry.  So you would think that weekly bible studies would be geared toward equipping people with these tools instead of the old peter walked on the water and so can you motivational teachings that only inspire you but do not educate or equip you.   Sunday after Sunday should not only be a weekly celebration of what God has done but people should also be flourishing in the anointing beyond a Sunday morning experience.  Why is it that this info is seemly for some but not for all?  Why do certain members of the church flourish when others who are faithful still seem to fall by the waste side?  Well I will tell you, I have been in many private leadership meetings and have served in  almost every ministry I've attended the elite in ministry and not everyone that preaches a word of deliverance actually wants you delivered.  Why should they?  I mean if you actually began to walk in your call then they may lose a church member, a tither, and there numbers may go down. So why would they actually teach you anything with substance?  What a selfish way of thinking.   When you help one person to reach their destiny God is well able you to send you more people to fill your pews and to cover the churches weekly expenses don't you dare even worry about that.  Many people are called to pastor but how many churchs do you know that have training on "how to start a church" for those members called to lead?  I am sure some do but we never get the real deal only bits and pieces kin dove like bait.  We get just enough to keep us coming back for more but not enough to sustain us and take us to the place we God would have us to be.  We need more church leaders who will raise up to teach and instruct Gods people to a bounty plentiful life in HIM in His house and in the world. Apostle Magdalene

A Broken System

Ever since the dispensation of time there has always been someone raised up to recognize and fix a broken system.  Back in Slavery days there were people who did not agree with slavery but did nothing about it.  Maybe they figured "hey that's just the way it is". But then there where individuals like Sojourner Truth, Harriet Tubman, Kunta Kinte' and others who choose to take a stand. 

While they were fighting a broken system, there opposition wasn’t few but many. There were many people who thought the system worked just fine only because the system benefited them.  However, there were those who didn't totally agree but were too complacent to do anything about it.
While those who took a stand against slavery eventually prevailed there were yet and still many more obstacles to come for future generations.

Now that slavery in America had been abolished there was now the distant fight for equality and justice for all.  Those leaders such as Dr. Martin Luther King Jr., Al Sharpton, and Rosa Parks choose to take a stand against inequality.  While many African Americans were just content with the joys of being descendants of free slaves these leaders were raised up to bring awareness to the black community of their rights and liberty that goes way beyond being a free slave and a citizen of the USA.

These leaders wanted black people to know that were entitled to more than just what the white man wanted to offer them.  They fought long and hard and are still fighting to let us know that we can have anything we dream of and the sky is the limit to what we are entitled to.

While many whites and oppressors thought us being free was more than enough and that we should be grateful on top of that, these leaders rose up to say "why should we have to beg and show gratitude for what already rightfully belongs to us"? And with that the fight still goes on!

Now in the church Martin Luther didn't agree with the heretics of church and church leadership so he did something about it.  He made moves that got him kicked out of church, but in turn set many Christians free once again from church legalism and politics.

Then we have Jesus!  He came along to set us free from the hands of the enemy.  When God had already set us free, the enemy tried to put us back in bondage.  That’s why the word says "whom sun sets free are free indeed".  Jesus did not agree with the church leaders either, that's why they wanted him dead.
You see anytime you try to liberate a people the enemy works through the influential (leaders) to silence you, intimidate you and to make you think that you are rebellious and crazy for feeling the way that you feel. Well none of these things are true.  You are neither crazy or in rebellion but you are operating in the liberty that Christ died and rose for.  

Now the black church is amazingly still operates in the spirit of intimidation, manipulation, and control.  Lots of mega churches are built in impoverished neighborhoods to gain the trust of uneducated people who are looking for hope.  And instead of giving it to them freely, it is sold to them on a weekly basis.

These same churches who use trickery and mind games to manipulate and control its members do not build these organizations in well breed areas of the elite and educated knowing that they will not fall prey to their con and tactics.

Today is a new day and a new dispensation.  Leaders are being raised up to come against this poverty python that is sucking the very life out of Gods people.  While church leadership gains wealth and popularity, its feeble congregants grow poorer and weaker with only themselves to blame for not giving more according to the black churches deceitful doctrine. 

Many are struggling to make ends meet not because they don't give but because they are being ask to give what they don't have.  In turn the black churches popularity and fame grows stronger week by week.  Challenging it's lowly followers to believe the hype of being grateful and honored to even serve and be a part of such an bountiful organization.

Not to mention the mega churches that enterprise off of the gifts and talents of the people with ventures such as making records, selling product and hours upon hours of free labor.  In turn when sells and royalties come through these same people who served and contributed greatly get absolutely nothing but thank yous and we appreciate yous.  These we be so nice if you could pay your mortgage with bragging rights, but being that you need cash to make in this world, people serving in these capacities should be paid for their services. Paid and not pimped like the common whore standing on a corner waiting to give her earnings to a man to protect and feed her.

 
The church has gotten both greedy and out of hand.  She is so thirsty now people are willing to sell their souls to get a piece of the pie.  Never mind trusting and waiting on God on no you have to be a thorough bread con artist to be a pastor these days. People aren’t just going to follow if you are not promising them blessings and pastors are not going to preach if they are not being blesses directing by the people.  These things should not be and what are WE going to do about it?

Apostle Magdalene