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WordWeaver23 | Mortgages for people with low credit scores? |
Need suggestions for reputable mortgage companies, loan companies, banks, who loan to people with low credit scores. |
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Quicken Loans
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You'll want to work with a large, direct lender so you can be absolutely sure you are approved. Direct lenders lend their own money and can give you full approval before you find a house.
Also, ask about FHA - the guidelines are more flexible with regards to income and credit. |
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Wordsmith99
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May I offer some unsolicited advice? Don't take out a mortgage if there's any possibility of it being a struggle. It really isn't worth the anguish - it's a huge debt, and lenders are not sympathetic if you are overcommitted. Please think very carefully first. Thank you. |
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Chad B
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not going to happen if you are in the US. You know about the sub-prime mortgage crisis right? Anyways, it's a terrible idea to get a mortgage on low credit. they really rip you off. Just keep renting until you can get your credit score higher and save up at least a 20% down payment. |
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garrisonbight
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There aren't any. Even people with good credit scores have a problem finding a mortgage to day, but since the sub-prime market melted down, the lenders just are no longer lending to sub-standard credit or to good credit, either. |
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Michael R
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Good luck. If your credit is that bad the only way to get a loan would be plenty of money down and a very very stable job making much more money than your payment. Might have to buy a 2 brdm condo instead of a 4 brdm house you wanted but hey if you can get a loan do it. Pay it back on time every month. That way in a couple years you can go out and buy what you want!
....Or pay people's mortgages through rent every month and never create any equity and own something.....
If you can't get a loan. Apply for a credit card for people with bad credit. Use it for say gas every month and pay it every month on time(in full would be best since the interest rates would hurt) Then every 6mo-1yr ask for a credit increase and then in a few years apply for a loan again.
Also check your credit history often and correct what you can! That means repaying hospital bills,ect. |
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nothing
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If I was to look for that kind of information I would go to bankrate.com. That's a popular, recommended website that is updated daily and gives good guidance on a wide range of financial matters, current rates, etc. Bankrate.com will focus mainly on institutions that have a track record and/or are known in the industry. But that said, keep in mind that darn near all of the lenders - even the ones we typically think of as reputable - are known to have turned their heads and put on blinders in the way they approved loans over these past years, and these same reputable lenders are now paying the price of their misdeeds. |
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~*Yesterdays Promises*~
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Go to your local bank and speak to the mortgage people there. My husband and I went to United Bank and Trust, neither of us have the best credit scores, but we ended up getting a government housing loan. Good luck to you |
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kta kta
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There aren't any since the sub-prime mortgage industry took a dive.. You'd need a co-signer to go on with you. |
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musicman47
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Here is the problem....You may be able to get a loan, but you will pay a very high interest rate because of being a high credit risk! I think this is one of the reason why they're is a major problem with subprime loans! To many banks and financial instituition gave out loans to party's not in a good financial status! |
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linkin
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If you have a low credit score because you have outstanding debt, you first need to clear that up. A mortgage (depending upon the size) is enough to deal with without worrying about how your going to pay it AND everybody else. I know it's hard to believe, but there are people out there who are debt-free.
If you're renting, pay your rent a day or two before it's due. A year or two of this, plus a good downpayment should qualify you for a mortgage with anyone who does manual underwriting, and doesn't depend solely on a credit score to determine lending. |
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