I want to apply for a loan, but don't have a legitimate rental history. I've been living with family and helping out with the mortgage, but I don't know if that will count? Any advise is appreciated. Really want to get into a home in the next 6 months.

Much more info needed.. Typically, if you have low credit scores, or limited credit, then the lender could ask for a rental history.. not having one is not necessarily a deal breaker.. so, you should contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347