my credit score is very low, can I still get a mortgage
There is ALWAYS hope...But I would definitely recommend spending some time working on the issues that have brought your score down. Not only will you be in a better position to get a mortgage, but you'll also likely saves tons of money on other purchases along the way. For example, your insurance will...

Can I buy a $200,000 house?
In as much as I am not a lender, but a consumer credit expert, I may not be able to answer the question directly, but I would like to offer some advice for exactly HOW you should be paying your monthly credit card bills, as this can potentially push your score even HIGHER! This article contains one of the...

Sooner is definitely better than latter, but the owner is my brother he is willing to wait for several reason.The two most important being it is the home we was raised in and we would like to keep it in our family and also I am already paying all up keep, insurances, and taxes on property, as well as mortgage payments.. The Deed filed at the tax office is already in my wife's name and has been for the past 12-15 months. We was hoping at one point to be able to do a refinance with BOA but during the seasoning period on the Deed transfer BOA sold the loan to another company... Would you recommend working with a company to help rebuild or build up my credit? Thanks PS I also have a very qualified Co-Signer if that will make a difference?
Working on your credit will definitely facilitate not only the refi, but open the door to a number of other benefits as well. Better terms, rates, etc. And that doesn't even begin to include all of the other things it could potentially positively impact. Car loans, credit card interest rates, deposits...

If person A cosigns a loan for person B, should the credit report of person A shows he/she cosigned?
Absolutely!If a social security number was provided, the account is subject to reporting.Additionally, co-signing may create something called, "file merging", where information from one borrower, especially address and contact information, can be placed on the other borrower's credit...