<prompt> Human: Okay, I will be as specific as possible and see what you guysgals think. I put my house on the market like a month ago and have not had any bites yet. If I sell it anywhere near what Im asking Which I have been told is reasonable then I will make 10-15k after all the fees involved with selling the house.The problem is I need a good chunk of money now. I am behind on a lot of bills. This is just sinking my credit further and further. I am looking to borrow 12-15k now which would get me completely out of debt and allow me to put a decent chunk of money towards a new house, a smaller single family house with a smaller mortgage payment. My grandmother told me that when she was selling her house the bank had her take out a note and she just paid the interest on the note. Then she eventually paid the note off. I do not know how that works or if that is the best option.My girlfriend will be co-signing with me on the new house so her income and stuff would be included. So I guess in all that rambling my question is with poor credit how can I get that money now while my house is still on the market?  <response>: I am looking to borrow 12-15k now which would get me completely out of debt Thats not how it works. Thats not how any of this works.You might want to think about what you just said. It shows a fundamental misunderstanding of debt. You can not borrow your way out of debt. 