@Aaron KlattI think of buying, I will have to work on my credit.

I have little credit I just started working on it, and I been at my job for less then 6 months. 

The reason i wasn't particularly concerned is because my target area is a popular investor / small business owner area and you can see bandit signs on every street corner from wholesalers, lawn services, tv internet services, junk car removal services and others.

You might need to get with a credit union or smaller local bank bc to get $70k for repairs will be a huge stretch.  

Maybe, but the family loan isn't recorded or on your credit report, so that should be fine.

Do you have any line of credit you can use?

I am now asking for a background and credit check.

Hello everyone,I received this message from the mortgage company I am using this morning: “One thing that I was told is that the interest rate would be around 7.875% with 1.25 discount points.”The interest rate seems high seeing my credit is over 700.

@Cassidy Burns, Personal Capital is a website that allows you to import account balances (banks accounts, investment accounts, credit cards, mortgages, etc.).  

However, they take credit for their company's transactions.