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sybilandfaulty | Mortgages how to help our daughter get one as she has been refused? |
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jen
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I f you realy want to help, first help build better credit. Crappy mortgage companies will kill you with interest. 2nd using them actually can lower your credit score. If she is being refused for bad credit, i am assuming this, work on improving it. She will have to be patient but in the long run the foundation is worht it. Not the answer you want to hear but getting a 2nd rate mortgage will not make her happy, i see it ALL the time. |
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Annie
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If she has no credit, you being the co-signer, (if you want to take that risk), could work. Good luck. |
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knickersknight
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Find out about going guarantor on it for her...it does mean that if she defaults on payments etc that they will come to you for it but my mum has done it in the past for my sister and was able to come off it after a while. Ask the bank about it. Worth a try. |
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sportsfan
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You could agree to act as guarantors (people who agree to pay the mortgage payments if your daughter cant). |
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susie x ♥♥♥
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There are always bucket shops where you can get a mortgage either by falsing her income details or just because they are out to get the busioness and they dont care how.
You must take into consideration why she cant get a mortgage though, is it becaue she doesn't earn enough? If you manage to get one she will find her day to day living almost impossible as her mortgage payments will take too much of her monthly pay, this, of course, will lead to her getting into debt. This is not a good place to be so think carefully before you act. |
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Velken
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I think its a VERY bad idea to help by signing a loan with her. Suggest that she gets a credit card, charges her groceries on it every month, and goes online to pay the bill as soon as its on her account. That way she only buys what she can afford, she gets a good payment history on her credit, and she'll build up good credit. If they turned her down because of bad credit, then you need to cheer her on, but don't give her money. She's gotta learn to be responsible with what she earns. If she has no credit or bad credit, she needs to work on that before trying for another loan. Putting your good credit at risk by signing onto a loan with her will only hurt you. |
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pattibcacl
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Go for it there somebody out there to help good luck |
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Nicholas M
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Co signing is always a possibility but most lenders have a problem with a non occupant co-signer.
Consider this: Lenders are not in the business of refusing loans. If anyone had a full picture of your daughter's capacity to repay the debt it was them. There are so many programs out there for low income, first time homebuyers etc that if she can't get financing under any of them then there is a problem with her.
The bigger question is why was she refused? Was it the home she was trying to purchase that was not suitable as collateral? Debt Ratio? Credit .....
Do you really know what your daughter has in debt, what her credit scores are? What her true income is (not what she says but what she actually earns) How much house is she trying to buy vs her income and only use a maximum of 50% of that. Also don't forget taxes, insurance etc. Does she even have a downpayment? There are two many unknowns for the thread.
Why does she need this house right now? Can she not save up for a larger downpayment or wait a bit longer and improve her credit?
I can tell you once you co-sign and are approved you are stuck with that loan. That means if she misses payments it's your credit that suffers. Also consider this, YOU ARE LOCKED IN. There is no way to refinance off the loan because she can't qualify on her own. So you will be stuck as a co-signer and held liable. I have seen this happen so many times and parents with the best of intentions pay dearly for it. |
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edgarl
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Yes lots of bright ideas, some as short of knowledge as they are of honesty. Bear in mind that lenders want to lend, it is how they make a living. If they say no, it is because they think your daughter cannot in reality afford what she is proposing, so think carefully. |
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mortgage_solver
 |
It depends upon the grounds that she was refused
a) does she have bad credit
b) Was her income to low
c) does she have no credit history
d) Is she too young
Each lender has different lending criteria and in order to advise you I would need more details
To discuss in detail please feel free to email me |
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Tez
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get some dodgy wage slips....£50 if u want.lol |
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