 Credit card for bad credit.? |
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with a cosigner with good credit?
or can my parents get a loan for 4 thousand and can it be transfered to me when i am 18?
i have 2 thousand already i have been saving ... |
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 Under Career Tools, if you click on the Average Credit Score, the 3rd box recommends you use this product for? |
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i already tried target and bank of america
Additional Details
i just got denied for the capital one visa ... |
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 Credit cards? |
| 3 years ago i got behind in payments on credit cards and got a ccj on one of them after a few months i was able to pay all my cards off in full. would i now after all this time with no debt be ... |
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| I have never missed a payment, never overdrawn. This months bill just came in and they jacked the apr to 31.24%. I mean WTF is that? They will not even discuss it. I think I will max it tomorrow ... |
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 I need a personal loan of 1700 in 3 days!! HELP? |
| I need a personal loan of 1700, if I don't have it in 3 days the company will take me to court. I have bad credit because of this company, so no banks want to lend to me. I am an honest person ... |
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booby | Do you think we will be approved for out Mortage? |
Me and wife haev combined income around 110k a year. We have some credit card debt (nothing to horrible) and 1 car payment around 300/month. My credit score is 700 hers is 620.
We are looking at a morgage that is figuring about 10% down and a total mortgage cost of around 2500/month when you include property tax and insurance. The loan salesepeople have told us they think we will be approved but its up the underwrites to accpet it.
What do you think?
Additional Details
By the way, I know this sounds like a high mortgage on a huge house. But where i live this isnt buying that much at all-- trust me. |
 |
 
iceman
|
Most likely yes.
Your income is good, and your credit scores are good ( possibly they might keep her name off the loan if her credit score is too low for them)
Each bank is different on how much debt ratio they allow. And most will work with people even if they are a little to high. in the event they say no, odds are they will come back with another offer. Maybe it will be a slightly higher rate, maybe you will need a little more down, but overall you will probably be ok. |
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nickhawkins21
 |
From the sound of it and the condition of the real estate market, I think you will be just fine. I wouldn't worry about it. |
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I Know, I Know
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yes |
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tennessee
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sounds like you should have no problem. shop around for a sweet deal it is a buyers market now............... |
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luciousgreeneyedlady
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I definately think you will be approved. You have excellent credit scores, a very good income and you are not over extended. |
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doanel
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Well, if they disapprove you, buy a smaller house. I know plenty of people who buy these "Mansions" only to find out they didn't need that big a house. The upkeep can be a headache, unless you're both do-it-yourselfers, and have the time to do it, which of course means more costs. Well, just talking from experience.
Good luck |
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holly
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Google it......Real estate sites have tables for home loans you fill out a form and they tell you what you can borrow deposits repayments etc. |
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nj2pa2nc
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with what you have said why isn't your and your wife's credit scores higher. Your's is good and you probably will be able to get a mortgage but maybe not at the lowest rate. They are alittle more strict because of so many forclosures. |
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SPIFIMAN1
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You should not have a problem. |
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joemammysbigguns
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You will probably be approved for the mortgage, the only thing that isn't for sure is what interest rate you will get, and the term that they will allow you to lock that interest rate in for.
That's a pretty hefty monthly payment - I just bought a house last year and my mortgage payment+tax+insurance is about 1/3 of that (even with no downpayment). Make sure you will be able to swing that payment, otherwise you might be burying yourself. |
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moeny1
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i think you can get aproved if you can use the 700 score dedt to income ratio looks ok try an interest only loan or a neg am loan
to keep payments lower for the first three years then rool into
30yr or 40 yr loan. |
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Tobias Maximus
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Because of your credit score, you may have better loan options if you're the only one on the loan. I say that because 700 is a good score and many lenders have programs that only apply to borrower's with a good credit score. Your wife's is below average. If you and your wife both apply for a loan, the lender will combine your credit scores and use the average which may disqualify you from some great programs.......good luck! |
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nicirae1313
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you can qualify. if they give you problems call my office we will fix you up.
925-755-3000 |
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