 When they say if you make an extra mortgage payment you reduce your balance does that incl taxes & insurance? |
| e.g., if your mortgate is 747. then you add property taxes, and homeowners insurance making the payment 1242. do you pay the 1242 or the 747?... |
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 Debt help? what to do?? bills, rent etc? |
| I have somehow got my self into about £15000 worth of debt with creditors, on top of that i have now fallen behind with my bills and owe two months on my rent... Where do i stand and what can i do?... |
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 Can I get a loan with bad credit? NO PAYDAY LOANS! I need a gauranteed loan. $10,000.? |
| I can't get a loan from anyone because I have bad credit..made a few bad choices in the past, and still getting penalized. I need a second chance. Please no S... |
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 HELP! what is the max time a creditor has to collect on a debt.? |
| I had a creditor contact me via mail regarding a passed due balance from 1990. to be honest I don't know if I ever even had an account with them.....They are threatening to attach my credit if I... |
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 Can credit card debt be passed on after you die? |
| It is my understanding that unsecured debt can not be passed on to your spouse or children when you die. I work in the credit industry and when assisting a client who's husband or wife has ... |
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 If I pay off my car loan, can I get any of the negatives, removed from my credit report? |
| I was late a couple times on my car payment. If I pay off the whole amount, is there any way I can negotiate them removing any of the late payments from my credit report?... |
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 What is the best way for me to dispute an item on my credit report? |
| I just closed a mtg refi. My lender found a $3500 chargeoff on my credit report. I called the company who placed the item. They could not find anything with partial acct # provided on the report. ... |
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 Can a collection agency put negative marks on your credit report seven years after the origination of the debt |
I have a medical bill from February 2000 that I considered at the time, and still consider, to be illegitimate. I didn't pay it.
In 2004 it was sold to a collection agency.
... |
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 Where can i look to find out what credit cards i still have active but not using? |
| i have used many credit cards in the past, most of which i have cancelled, but there are some that are still showing as active, is there anywhere that will be able to show me which i have ... |
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 I just got a call from a collection agency!? |
| I don't know what this could be for, because I didn't actually speak to this person, I just got a call from someone who called herself Mary at my work leaving several messages saying the ... |
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 Where is the best place to get a loan, even with bad credit? |
| I am looking for a loan between $1000 -$5000. I have bad credit, and I'm afraid that I know for sure I know I'll be turn down for it. I wanted options where I can atleast get a thousand ... |
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 I REALLY want to build great credit history and score? |
| I just turned 18 about 2 months ago. I have a cell phone in my name which I had since I was 17. I applied for a credit card and was granted a $300 limit. I just received my second statement from ... |
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 What is the best Student Credit Card? |
I have no credit, but i would really like to get a card before leaving for college.
what is the best student credit card?... |
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| Can a company that issued me credit under the age of 18 hold me responsible ? |
| The account is now paid, but it was sent to a collection agency and also reports negative on my credit report.... |
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machelle s | How can i get a home loan with poor credit? |
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 |
 
Quicken Loans
|
Hello, I’m pretty sure you know that your credit score and credit history are very important factors when it comes to obtaining a home loan that best works for you.
Although almost any mortgage company will have a program you’ll qualify for, I recommend you consider taking some steps to re-build your credit in order to increase your credit score. It’s going to take time, but it will be worth the wait when you consider that you’ll most likely receive a much lower interest rate on your mortgage loan.
I have included a link with great information regarding help with improving credit scores.
I hope this answers your question. Good luck! |
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Christie
|
Right now, it might be impossible, depending on just how bad your credit actually is.
Mortgage lenders are cracking down. For so long, they made it very easy for just about anyone to buy a home. You could buy with no money down and no documentation. People who really had no business buying a home were getting approved without question. And now, we're reaping the results of that kind of lending. People are losing their homes because they can't pay their mortgage.
The requirements to get a mortgage are tightening up right now. You're going to need a big downpayment, for sure.
Good luck. |
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jimmy
 |
If you plan to pay back the money , you can ask for a loan at Prosper. More information at http://www.acreditlibrary.com/prosper.html . You can also try your luck at online charities, people may send donations. More information at http://www.laodn.org/ |
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Defiant
|
Getting a loan now is more difficult than before esp since some mortagage companies went bankrupt for giving out easy loans. So the ones that are giving it are making sure the candidates are well qualified. To be "well qualified' you need to have a good credit score as well as have proof of income. Now depending on the bank they work on a 25-30 percent system where your income after all expenses should leave you with 25-30 percent remaining for the mortgage and some extra. So, what i'm saying is, if your credit score is not great, your income hopefully can make up for it, but there is no guarantee since credit scores say a lot about you in the financial world.
Best of luck on your home! |
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lisa f
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Am a private legitimate lender,i give out all kinds of loan which include:
AUTO LOAN
BAD CREDIT LOAN
PERSONAL LOAN
STUDENT LOANS
MORTGAGE LOAN
REFINANCE
PAYDAY LOANS
HOME EQUITY LOANS
DEBT CONSOLIDATION
BUSINESS LOANS.
Any interested person,co-operate bodies can contact me via:chelle_loan_services@yahoo.co.uk
co.uk |
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Picardi
|
talk to hard money lenders |
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Carolinahomerates.com
|
going through a mortgage broker.
they can give you advice to clean your credit...and offer you programs like FHA, MyCommunity, HomePossible, etc |
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foreclosures101
 |
My one suggestion, Dont !!!!!!!!!!!!!!
pay off debt, repair your credit, save for downpayment and save more
buy a home in 2 years - don't worry it's going to be a buyers market for the next five years maybe longer ...
home values in many many areas will keep dropping/ correction in prices.
so what you buy now or early next year might not be worth what you paid for, so wait and save and get that fico score up and up |
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iceman
 |
Save up a large downpayment.
Many banks will approve bad credit if the borrower can get more then 20% down. |
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Ask M
 |
why would you want one, you'll only get ripped off my
high interest. Fix your credit first
www.creditinfocenter.com |
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katy w
|
There are a lot of different ways to get a home loan with bad credit. I did a search online for you check out these three thinks.
http://www.mm-review.com/money/2.html
http://yagosearch.com/C-poor-credit-home-loan.html
http://catchresult.com/search/bad%20credit%20loan/Web.html
best of luck! |
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