No. of Recommendations: 3
how to go about doing what I need to do without getting a mortgage.
you've heard an answer - you just don't like it - Rent.
It doesn't have to be a 1-bed apartment.
Look at renting a house, or at getting a roommate, or renting a mobile home.

I never said the mortgage would be in my name.
Whose would it be in?
Doesn't really sound like any of your relatives have the ability to pay for a mortgage... (At least thats my perception of what you've posted)

Maybe it isn't as dire as you've portrayed it - but from what you've said it doesn't sound like you'd be able to get a normal mortgage - maybe you can find someone doing rent-to-own on a place or something, but those aren't common. Sitting down with a mortgage broker and asking them to see what you qualify for is something you probably should do - the credit check will hurt your scores only a little. I'd ask them to figure out what you possibly would qualify for before they pull your credit score. (See if even with excellent credit scores if you could afford anything)
Print the post  


Useful Resources
Our Home Center has all you need to make buying and owning a home a great experience. Get or refinance a mortgage and much more!
Buying/Selling a Home FAQ

Mortgage Professor
Offsite resource for mortgage questions.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.