DEAR BOB: I am in the process of cleaning up my credit. But I want to buy a condo in a specific complex, preferably with seller mortgage financing. I plan to send condo owners at the complex solicitation letters in the hopes they will sell to me directly, thus saving the realty agent's sales commission. I have a 3 percent to 6 percent down payment. Do you think a seller will finance my condo purchase at 3 percent interest? That's about what they can earn at a bank. Will this work? – Judith N.

DEAR JUDITH: Get realistic.  more...

Dear Barry,  more...