 Halifax email: scam or not? |
| Hi I just got an email from halifax saying something about a statement which is funny as I'm not with halifax. Shoul I presume this email is a scam and if it is how, how the hell did they get my ... |
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 What credit card is best for someone who's never had one? |
| I'm lookin though some stuff on credit cards... seeing that I need one. I have some money saved up, I'm 18 and I've never had a credit card before.. so this whole thing is kinda new to ... |
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 I dont have very good credit, no bankruptcy, just a couple non payments adding to $800 can i purchase a house? |
| I dont have any collateral, but I have a great job and can definitely afford a home. What are the steps needed to purchase a home. I am going to be a newlywed in Sept. but my husband does not have ... |
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 How to use a credit card? |
| Say I have $500 that needs to be paid on a credit card. Once the bill comes in the mail does it help my credit score to pay off the whole balance rather than just paying off the minimum payment on ... |
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 Erh. Im soo mad my parents cancelled my credit card!!? |
| Ok,so they cancelled it b.c I went over my limit by 678$ what should I tell them inorder for them to uncancel it?!!... |
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 Does closing a credit card account hurt your credit in any way ? |
Got my first credit card the other day and was wondering whether to cancel it.
Additional Details
My current balance is 32 dollars but i plan to pay it in my next billing cycle.... |
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 Where's my wallet? It's been missing since last Thursday? |
I'm hoping there's some psychics out there.
Additional Details
I looked in the dryer and washer already, and I'd already gone through all my clothes... no dice... Checked ... |
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 How do i find a loan shark? |
hiya
im wondering how you can find a loan shark...? im trying to get a loan but cos of bad credit caused by my ex im finding it hard to obtain a loan for 15,000.
i know what ... |
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 Is this telephone abuse and if so what can I do? |
| is this telephone abuse and if so what can I do. I called the cable company and asked them about my cable, and this girl said if you want your cable like that it on you. then she kept sceaming at me ... |
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 Credit cards after bankruptcy? |
Please do not judge me or post nasty comments about bankruptcy...
My husband lost his VERY good paying job and could only get a job paying about $50,000 less. We got into a bad spot and ... |
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 Should I file Bankruptcy or pay my debt? |
I am about 30,000 in debt, mostly from credit cards.
I was married already when the debt occured but they are all in my name, not my husbands. This weighs on me alot. I stopped paying on ... |
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 Actually, I had an interviewer ask me if they could check my credti??? I just said politely.. Why would? |
| you want to do that?...They explained it is policy and so forth...so my answer was No...I said it very nicely...I was SHOCKED that they wanted to go into my personal business????...My credit is fine.... |
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 When I try to add my credit card to my paypal account it keeps saying it is already in use by another account? |
| At first I was just using my paypal account to buy things on ebay; I was not selling anything. Then I wanted to sell something, but ebay said my email address could not be confirmed, so I had to ... |
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ChicaB | Where can someone go to get a loan [for a house] that does not require good credit? |
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bambhu
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For Poor Credit and Bad Credit borrowers, most banks offer alternative financing. If you have money for downpayment, you can actually just apply to any financial institution that has a mortgage department.
Be wary though. Brokers tend to sound really tempting right now, because of all the changes in the mortgage industry. You might end up paying more that you should have if you went straight to a financial institution. I suggest you go to three different banks and just have one pull your credit. Get a copy of it and then use that same credit report to assess your situation.
If you are a first time homebuyer, you should ask for a First Time Hombuyer's booklet. It will give you some information on what you should expect when buying a home.
You also need to attend a First Time Homebuyer's seminar so you can be educated fairly as to what type of loan you are getting.
I know its very tempting to purchase a property right now, since the real estate market has gone down. However, the mortgage market goes hand in hand with this. Since real estate sales are hard to come by, and it seems that profits are not forseen in the near future, financial institutions will raise rates.
When you see a rate quoted from Yahoo! finance, do not expect to get that rate when you actually apply for a loan. The rate quote in the finance section does not consider all the factors, but its just the lowest possible rate that you would get without paying any points.
When applying for a loan, there are several things to be considered. Credit Score, Downpayment, Property Value (or Purchase Price if its a purchase), Income, Assets (reserves mainly and closing costs), Loan Amount.
If you have poor or bad credit, you should expect to get at most, 'Alternative Financing' or 'Subprime' loans. These have fairly high rates and usually need full documentation of what I said above.
When you walk in to a financial institution and you started the process of the loan application, always get a copy of the calculations, generally its called "Estimated Settlement Statement', or a 'Good Faith Estimate'. Have an accountant review this, or if you know someone who works for an escrow company have a second look so that you are sure that you are getting the best deal.
Hope that helps. |
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guardrailjim
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Unsecured business line of credit
http://www.ultimaterealestateguideonline.com/index-opt4e.html |
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puff_coco_shimmy
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You could go to Quicken loans or somwhere like that, but you will most likely have a very high intrest rate at places like that. The best thing to do it to have a co-signer in your case. Good Luck! |
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oklatom
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If you don't have good credit, it's almost impossible to get any loan. Unless of course you have a house worth more than the asking price and you have put down a fairly good sized down payment. |
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rachel b
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i have a friend that got it through ocwen. and we know others that have as well. |
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urallnutballs
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That's a lot harder to do in the U.S. these days. With so many people defaulting and the rising foreclosure rate banks are tightening the reins.
Take a first time home buyer class. Cities or counties often offer these and will help you with free finical counseling to repair your credit. If you are in the U.S. check out the Fannie Mae programs and first time home buyer programs for your city and State. Research all these options before going to a broker. Often brokers will not be able to get you these deals are or ignorant of them. Try to go through a bank or credit union and go the at least five before choosing the best deal. If you are denied work with them to determine what you need to do before they will approve you.
Make sure you read and understand the entire loan contract and can abide by it. Understand the difference between fixed rate and ARM.
All said and done it's usually best if you repair your credit before getting a mortgage. You will get much better terms. |
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gfarria
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You should have went looking back in 05'...now it's really difficult...check with countrywide first...and then fannie mae, I guess....good luck... |
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unisberkensap
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NACA
They are a registered non-profit.
* no down payment,
* no closing costs,
* no fees,
* no requirement for perfect credit,
* below-market interest rate.
* free home buyer's counseling
* foreclosure bailout
Source(s):
https://www.naca.com/index_main.jsp
https://www.naca.com/press/pressRelease2... |
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irish eyes
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Any financial adviser will be able to get you a mortgage. You just need to tell them the truth from the start, and be HONEST, as they will find out details. If you list why your credits bad etc they can get you a mortgage, you may pay a higher interest rate for a while but this gives you time to sort yourself out and build your credit status and then you can go to a high street bank etc. Good Luck, this works as i had the same problems a few yrs ago and am now with a high street lender on a low rate mortgage, so go for it. Your bank should have an advisor or the estate agents where you seen the house have independant advisors there too now in most of them |
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txsxy21
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You can do what I did and get your credit fixed with this one company that I was referred too by my lawyer, they do credit repair that is legal and get the results they say they're going to get...company name is MSI Credit Solutions you can google them..I think there site name is www.msicredit.com or something but I got approved for my loan in less than 3 months and can finance anything now. |
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Judy1
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These days, nowhere. Lenders giving loans to people who weren't qualified is what got the housing market in the mess that it's in. |
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~Sweetness~
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come to me..at FIDELITY AND TRUST MORTGAGE...we have a lot of programs to offer for credit...that is...bad...good...and horrible...give me a call at 490 3404..name is Ashly...im a loan officer...or email at afox@ftloan.com |
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dennis m
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Right here. Loan Officer. |
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CHEESY ♥
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To a loan shark |
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Other Guy
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try a mortgage broker |
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