Buy a house with bad credit

Buy a house with low credit! Below is a list of products my lender works with. Message me if you would like more information..

1 Day out of Foreclosure, Short Sale or Deed-in-Lieu
Up to 80% LTV
Credit Scores down to 500
Mortgage Lates Last 12 Months OK
Non-Warrantable Condos OK
Jumbo Loans down to 500 Credit Score
100% Gift Funds Allowed
Foreign National Program up to 75% LTV - Non-US Cre dit Accepted
No Pre-Payment Penalty on Owner Occupied or Second Home
Bank Statement Program for Self-Employed Borrowers
Loans up to $1 Million
No Lender Points Charged
***Our Non-Prime Matrix has better rates and 12 months for BK / 24 months Foreclosure***


This offer is good for Austin, Tx and surrounding areas.

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Purchase Information
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Qualifying Information
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Current Debt to Income Ratio (Max = 36%) ---



I would like to welcome you to my comprehensive Austin real estate website. No other site provides more detailed Austin real estate market information than you’ll find here. 

For buyers there is detailed area and neighborhood information and a great MLS® search page. For sellers I provide information and data to help you to ready your home for market and to list it so it sells.

For Buyers For Sellers
for-sellers2.jpg   for-buyers.jpg  

The Austin real estate market is made up of diverse and interesting communities and neighborhoods. I’ll tell you about each of them and let you narrow your search to the very best for you.

We worked with Tammy to buy our first home. We enjoyed working with her because she was always willing to get out there to show us properties. Plus she is familiar with all the surrounding cities and friendly!  Adrian & Roberta S.

Tammy helped me sell my home in Kyle, TX. Working with Tammy was great! Tammy is very knowledgeable, dependable, and professional. She exceeded all my expectations. I highly recommend Tammy for your real estate needs.     Patrick L. 

Tammy is an outstanding Realtor® that has her clients' interests as the number one focus in her mind. She has been and will continue to be one of my top referral sources in the Austin area.    Cody V.

I couldn't have found a better realtor. I looked for a house for more than 6 months and after having a handful of houses swept out from under me within hours, when she found this house she contacted me within minutes, had all the paper work filled out and the phone number ready to call the minute we looked at the house. The market in Austin is vicious and frustrating and Tammy did everything in her power to lighten the load on my shoulders and fight for the house I really wanted. My house was on the market for less than 3 hours!! I would highly recommend Tammy to anyone looking in the Austin area!! In fact I think you would be disappointed with anyone else.       Jen E.


Holkesvik Testimonial

Search Homes

My home search page is one of the most valuable tools on this site for both buyers and sellers. Keep your finger on the pulse of the market by visiting the real estate search page.

Find Nearby

  • Hospital
  • School
  • Pharmacy
  • Airport
  • Bank
  • Post Office
  • Nursing Home
  • Church
Featured Homes

If you’re a buyer, you want to check out my Featured Homes, as they’re selected for their quality and amenities. As a seller, you’ll want to see your home on this page.

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Contact Info
Tammy Spracklen

Sweet Peachy properties

1613 S. Capital of Texas Hwy Suite 100
Austin   TX 78746


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© 2015 Austin Board of REALTORS® - ACTRIS MLS®. All rights reserved.

Information Deemed Reliable, but Not Guaranteed. The property information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this web site comes in part from the participating Brokers.

Last updated on Mar 29, 2015.