 Im 19 and dont have credit yet and cant get aynone to cosign or dont have any money saved up and i need a loan |
for a vehicle ive tried banks and they dont wanna help. any advice?
Additional Details
for a vehicle, the truck i have now is falling apart and i have to drive an hour to get to my ... |
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 Copy credit card (front and back)? |
when I try to buy online he asked for fax a copy of my credit card (front and back) is this legal??? and he say If you cannot do this, then I will have to cancel your order.
T... |
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 IS it possible to buy a house? |
TO BUY A HOUSE WITH BAD CREDIT? I WANT TO BUY A HOUSE IM SOOO TIRED OF RENT ING BUT I HAVE BAD CREDIT. IS THERE ANY COMPANY THAT WILL HELP ME?
dont get me wrong im not a bad person i have a job ... |
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 Does disputing an unauthorized charge in your credit card affect your credit score? |
I heard from someone that disputing a credit card charge affect one's credit score score. Is this true?
Can you provide a website where I can get more information about this?... |
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 ****I just received my first credit card....now what? Two ?'s.****? |
How long do i wait until enough credit is established so i can lease a new or used car???? I havent used my card....i will this weekend.
Any tips? Links? Your experiences very helpful too.... |
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 Credit Card Trouble? |
| Hi, about 6 months ago I applied for my first credit card and got approved. I made payments on time and never went over the limit. After about 3 months they increased my credit limit. But all of a ... |
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 Will we lose our home? |
I have just found out my partner owes thousands in business loans,defaults and debts. They are all threatening action.
He is a sole trader and we have a joint mortgage on the house. We have ... |
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 Why Would a Cashier's Check Bounce? |
| I used $50.00 from my account to purchase a cashier's check and sent it to somone for a costume I purchased. I actually had $50.00 taken from my account and sent the check. A couple months later,... |
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 Please help. credit card debt: should i borrow or pay it off little by little.? |
| I often pay off my credit card bill every month. I've been struggling for the past 2 months b/c my income is low rt now since i don't work that many hours (student). I take care of my mom ... |
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 Debt collector giving me problems? |
| I had a credit card that i was making monthly payments on for a few years. I hit a rough patch and fell behind on the payments but continued to pay something. I exceeded my credit limit for a few ... |
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 Do you need a checking account in order to get a credit card? |
Additional Details
thanks to all those people who gave me good advice i did go open a checking account and i'm getting 2 credit cards coming in 4-7 days thankyou very ... |
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 I owe the bank about $9,000 for a repo. Do I need to worry about the bank garnishing my wages? |
| My car was repossessed and sold in Aug 2007. The bank has been calling me nonstop since then. Just recently they have left a voicemail that I need to settle the debt or they will pursue other ... |
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 Home loan?? |
| my house is worth about $550k.. My credit score is 559 right now, due to my excessive credit card and student loan debt.. nothing has ever been late, it's just that i have excessive amounts of ... |
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 Collection Agency wantin gbank information? |
| I have a past due account with Capital One for $1600. I have been trying to work with them to get it paid and offered a settlemetn however they will not accept a settlement offer unless I give them ... |
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 Can i be garnished for a 6 year old debt? |
| ford motor co, did get a judgement and now teir attorney wants a ... |
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 No money to pay anything now!!! please help!!!? |
| If i don't pay my car payments, what will happen??? and i will not pay my credit also, cuz i don't have any extra money to pay my car payments, and my credit now, i only can afford my house,... |
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| Can creditors force the sale of your house? |
| Very little equity in the house, we are in the process of doing a proprosal but am afraid they might force the sale. Ontario, C... |
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QT | Do you think I would qualify for a $100,000 home loan with a 685 FICO score? |
Additional Details
My credit score is 700 I dont have bad credit! I have a couple things paid off that are in the thousands, like my wedding ring. I only have 2 credit cards with balances and 3 have 0 balance. also only make minium wadge
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WaveBreaker
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With minimum wage you can qualify for a small loan amount of 100k. Shoot my friend an email and he can also go over down payment assistance programs and such to get you the best rate so you can make your payments comfortably. mike@afbankloans. com
Good Luck!! |
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Travis S
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685 is good but what you should be asking yourself is do I have 20% down? Can I afford the loan plus insurance and taxes? A home loan should never be more than 25% of your income on a 15 year FIXED loan... That would come to about 850 plus taxes and insurance so say 1050 a month would be my quesstament depending on where you live and how high the taxes and insurance are. I am an agent in FL and that would be about right for here. If you buy your home with out a down payment and no money in the bank, on anything less than a 15 year you new home will end up becoming a curse. I know it is not popular today but if you do these thing you will never have financial problems with your home and you can live in financial peace... p.s. paying off your house quickly is the fastest way to become a millionair. |
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Gisselle
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Home buying has always been a tedious process. The home buying journey is fraught with winding turns and crossroads, making buying a home complex and difficult. The complexities of the real estate and mortgage market are not easy to decipher. So, the more prepared you are before<!--begin home shopping, the easier it will be. Herein, I have assembled a top ten list for home buyers. This list is good preparation for homebuyers who are setting out on their home buying journey.
http://best-loans.awardspace.com/homeloans.htm
http://mortgage-loans.awardspace.com/
Decide on what you can really afford Before buying the house, do a monthly budget. It is critical that you know your finances in-and-out, only then can you truly know how much home you can afford. The general rule of thumb is that you should-->purchase a home that is about 2.5 times your annual salary. But use our extensive online mortgage calculators to better understand your affordability. Learn how your income, expenses, and debts can affect what you can afford. |
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Ted
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Scores are over rated. Creditors look at a lot of other things as well when deciding to make a loan. |
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La Vie Boheme
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They take more then the FICO score into consideration. They also take income and other debts into consideration. |
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roxettefan
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The most important thing is the loan vs. your house value (LTV ratio). In current market environment where most markets are depressed if not heading lower, it is very tough to get a loan if your LTV exceeds 80%.
685 is pretty good, although 730-750 above is considered excellent. |
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Renu
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If you have a bad credit history still the loan market place is full of lenders who are ever willing to offer you a fresh loan. But you should be meeting some conditions laid down by the lenders. Loans for bad credit people are in fact easier to get then they were ever before, thanks mainly to cut-throat competition amongst the lenders. Lenders are giving loans to the bad credit people who have late payments, payment defaults, arrears, county court judgments or any credit problems. These loans are available for any purpose like home improvements, purchasing a new or used car of your choice, for wedding and holiday tour, debt consolidation or for paying child’s tuition fees.
Every lender in approving loans surely likes to see if the bad credit borrower has sufficient capacity to repay the loan in timely manner. If the borrower earns well, has regular bank balance, has been an employee for some years and has a convincing loan repayment plan in place, then the lenders do not usually hesitate much. So ensure that you have adequate repaying capacity before applying for a loan. Also, you should first check your credit report for any errors. If your credit score is too low then you would be charged a very high rate of interest. So it is advisable to first pay off some easy debts to improved credit score and then you should apply for loan at better rates.
http://badcreditloans.50webs.org/badcreditloans.html |
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The right answer
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Sounds like you have the score, qualifying is another story.
That means,
Do you have the income vs debt ?
Best thing to do is get with your local lender.
If you are in Texas try these guys.
www.clovermortgagegroup.com |
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