New and researching...

[Balu]

Hi I have been doing a lot of research into relocating to Portland, Oregon and its surrounding areas. My family is searching for a 3+/2 home. I am looking for owner financed homes, lease to own options homes, or zero down homes. Our price range is 300k and less preferrably a lot less. We are looking to move in to a home that is new condition 1990 and above.

This move will not happen until next year May but I was hoping to get some ideas as to what my options are. It would be a great help if someone could lend us some advice, we don't have the greatest credit but not the worst. We have fixed a lot of our credit issues but still no lender would throw us a bone. I am very leery about pulling credit reports again due to the fact that the score will drop everytime that happens.

Also do you think I am prematurely looking too soon, or am I doing the right thing. So any advice would be greatly appreciated.