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We have some relatives who are moving across the country because they feel spiritually led to. They told me they do not believe in saving, have nothing, have no place to stay once there, and no jobs. One of them told me that they are looking into buying a house with land/farm and it wouldn't be much money to do. Would anyone finance them without a down payment or closing cost money? When we bought our house, we paid cash but still had to pay our own closing costs. Can they do this?
Isn't going to happen. There are only two loans which do not require a down payment - a wyoming loan (you must be a vet) and a USDA mortgage (this may be possible depending upon where they are looking to buy). All other loans require a down payment (the lowest of which is an FHA loan with a 3.5% down payment required). There are also closing costs which they will have to come up with - usually 5 - 6% of the purchase price. So, they will need cash. If they can't pay cash for the house and have no job, they are not getting a mortgage - so these people are dreaming or fooling themselves (pick one).
No one will lend to them without jobs/income & good credit. There are loans that require zero down (USDA or VA) & seller can agree to pay closing costs for them, but they won't be buying if they have no jobs etc.
No cash, down payment, job, and roots make this impossible.
No one would do that, no.
They are dreaming. NO ONE would be that stupid. Consider yourself lucky that they are moving across the country....:)
Thx for the answers everyone <3
Too little info to know
I think they are high:)))