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briel72 | I have a credit score of 420,will a mortgage company give me a mortgage for 50,000,i can put 20 percent down.? |
are ther any other options other than mortgage company?i hope that my capital will prevail over my credit. |
 |
 
sacayouette
|
When it comes to home purchase there is always a way if you have a large enough down payment. There are many options out there besides traditional mortgage companies and banks.
Owner financing is possible (this is how I got my home.)
Look on the net under home mortgages and fill out the information they ask for.
You will be paying a very high interest rate for this, probably over 12 % with a score of 420. Pay off some of that bad debt with your cash and your score will rise fast. It is best to be in the 550 - 600 range for a decent deal. |
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Kitty
|
ABSOLUTLEY !! Perhaps a few will turn you down but if you have 20% down and possibly some other collateral it will be no problem!! That 20% is important !!!
Check out a "Credit Union". We have found them to be soooooooo nice and willing to work with anyone !! |
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robert w
|
breil72,
Stop your insanity. A 420 score means you screwed up your credit and don't have the money to pay your debts off.
You want a house ? You can't even get even with your debt now.
Keep renting get 2nd or 3rd job .Pay your bills Save more money, keep current with your rent and uttitlies for next 2 years. Pay off your oustanding bills. Save more money.
Visit DaveRamsey.com to learn what the bansk don't want your to know.
Some where out there is a bank that will loan you the money for the house, then Mr Murphy will move in with you. 2 - 3 years later you'll have a visit from an associate of mine. The bank will have their house back. Bank wins, you lose. |
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CowboyBill
 |
Try contacting Churchill Mortgage, (churchill.com I think). They are one of a handfull of companies that still do a manual underwriting vs credit or FICO score. |
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George K
|
Yes,but you are a bad risk.That is a very bad score,so look for high interest rates. |
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Brutus
|
With a credit score of 420, you'll need 100% down because you are such a bad credit risk, nobody will give you a mortgage. |
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eew49mkr
 |
Is there anything on your credit report that is disputeble? You need to get it above 500 or more. Need to establish new credit since you defaulted or filed banko. Ask your mort broker for advice on possible hard money lenders, rate will be much higher,
If this is for a purchase loan ask a private party (friend, family) for add'l money to put down. Will they lend to you?
If you are refinancing, your best option to avoid foreclosure is plead desparating with current lender. What about a co-signer on the loan?
What state are you in??? 50,000 isn't even 10% down in this market! |
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Jason724
|
No, your credit score is very bad, which means you probably have bad credit. You would need a score of 700 or better for any mortgage. |
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marilynhenriksen@sbcglobal.net
 |
No, your score is very low. A mortgage for 50 grand means that the house you are getting is not that new right? Hard! You may not get a loan either if it is a modular home (mobile home). |
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