2. Find a seller who is motivated to pay closing costs or carryback a percentage of loan - If you find a seller who is really motivated to work with you, that may help you get approved with a lender. If seller can pay your closing costs, this can free up that money so that you may have a small down payment. If seller is willing to carryback a percentage of loan then loan-to-value may be low enough that lender may consider that as good as a down payment. If seller is motivated to work with you, they may be willing to work through a down payment assistance program to help you make a down payment. It is illegal for a seller to give you down payment for their house, but through down payment assistance programs like Neighborhood Gold and Nehemiah program, it is totally legal.

3. Borrow or ask for a gift from relatives toward a down payment - After you have financed house, you can usually take out a 2nd or 3rd mortgage up to full value of your house, and then you would be able to repay relatives. Keep in mind that if you intend money to be as a loan only from relatives, you would need to disclose that to lender before you close. Lenders usually have regulations about where down payment is coming from and if you are not honest, it could be considered defrauding a lender.

A payday advance is an excellent way to get cash you need until payday. Many companies have programs that require no faxing of your bank statement and latest check stub. Even if you are self-employed or receive income in form of monthly benefits you can qualify for a payday advance. You may be required to fax proof of income in certain situations, but you can still receive your money fast. Many payday advance companies can approve your loan within an hour of receiving necessary documentation.

No matter what type of income you receive each month, if you are in need of extra cash until payday a payday advance may be answer for your short-term financial needs. A number of payday advance companies offer reduced rates for first time customers or simply offer a discount loan program to all customers. Contact payday loan company of your choice to see if you are eligible to receive up to $1000 dollars or more that can be deposited into your checking account often very same day you apply.