 If I Paid Rent for 12 Months Up Front...Could I Get an Apartment w/o a Co-signer? |
if i was signing a 12 month lease
and i did not have anyone to co-sign to me
do you think if i paid for the full 12 months up-front that i would get the apartment
i'm going away ... |
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 My husband and I would like to buy a $200,000 house. Can we get a mortgage in our situation? |
| My husband makes $30,000 per year and he will soon be changing jobs to become a corrections officer making $49,000. His credit score in the mid 500s. He only owes $2,000 in debt. We will be paying ... |
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 How likely is a residential real estate crash? |
| My home is in Littleton, CO -- a standard 3 br 2 bath jobbie in the burbs. I keep hearing about a pending real estate (and then maybe economy) crash. How likely is this? If there is such a crash, ... |
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 Do you have to pay a landlord rent after they've sold the building? |
| My landlord sold the building I live in and I still owed her money. Instead of asking for the whole amount she only asked for a peice of what I owe her and then told me she sold the building. I just ... |
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 My Landlords (house is in both names) are getting a divorse!? |
| I currently rent a house from a couple and they are now getting divorsed. Both individuals have contacted me and told me to give only Him/Her the rent money from now on. How do I make sure that i don&... |
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 How can I prove my rental history...? |
| How can I prove my rental history to other landlords if my only rental history is that I've rented a room from a friend who owns their own home and lives in it as well? I've been here for ... |
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 What happens if I break my tenancy agreement? |
| I'm 4 months into a 6 month tenancy agreement. And it's been hell. The people I share the house with are disgusting, they have people around all week, getting drunk, being ill, spilling ... |
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 Should I refinance with a fixed rate? |
| Me and my husband got a house last year for 69,900. My mother in law pushed us into the house & insisted that we go through a bank with a variable rate. Now with all the forclosures I am ... |
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 How much does a buyer's agent take from the average residential sale? |
| | am considering purchasing a home that is currently vacant, been on the market for four months. The seller's realtor is suggesting that I use him as a dual agent. Hmmm..... I met him during an ... |
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 Nightmare UK Landlord? |
I hope you can help..
I have lived in a shared flat with 3 others, including a chap who co-owns the property with his uncle. He has never sorted out a written tenancy agreement although ... |
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 I lost my job and need to pay my apartment's rent , what do I do ? |
| Lol , friends and family have already made it clear that they "arent willing to help"... |
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 I'm in the process of buying a house, and I think my mortgage broker might be predatory. What should I do? |
| I have lived in this house for 4+ years and have a chance to buy it for the remaining amount on the owner's mortgage. Property values in the neighboorhood have increased in the past few years, ... |
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 I am trying to get a mortgage really soon to move out within a week. I need to get one very fast? |
| The bank lady is saying that it will take another couple of days to run the credit. We've made over 200,000 this year and have paid taxes on it and we want to buy a townhouse worth 200k in N... |
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 I rent a room in a house and would like to know who is responsible for taking out the trash. |
| I have a 2-year lease with the landlord and there is nothing stated in the lease regarding who is responsible for taking out the garbage.... |
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dkuan3 | I want to purchase my first home I have bad credit can any company finance me a loan? |
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 |
 
TomTom
 |
Check out this site: http://www.informationsourcebook.com/badcredit
They work with a database of lenders that specialize in loans to people with bad credit. You should be able to get a mortgage through them even with bad credit. |
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Sal G
 |
Yes, anybody can be financed! If you have bad credit be prepared to have a higher interest rate (possibly 7% to 10%).
Have you tried Fannie Mae, the first time homebuyers program?
Be wary of mortgage companies as they can really tie you down with hidden fees and interest that they will put into your 30 yr home loan.
First thing to do is find out your FICA score and get a credit report. Go talk to a local bank in your town, especially one that isn't a major bank. Local banks enjoy working with local people and are less scrutinizing about credit scores. You may have to put 5% down depending on your credit. |
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Keyon F
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I work for united lenders group and work oth over 45 different companies. I could help you get your mortgage loan no matter what your credit is.
916-860-0804
keyon |
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reggiewjr1
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What's your definition of 'bad credit'...? 8 out of 10 times I find that people THINK their score is far worse that it actually turns out to be... |
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emetalshop
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You can apply for a loan. There is no harm in applying. If you do not qualify, you will learn why and any steps you can do to improve your credit.
Please take the first step: |
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Scott
|
Buying Real Estate Today is much easier than just a few years ago. If your have a job or some sort of income that can be documented you have a very good chance even with bad credit.
Shop around as there are some lenders-banks that specialize in bad credit people. then to check around for Hard to sell Properties or desperate owners willing to help someone like yourself with owner financing...
Don't give up with being turned down at the 1st place. Keep looking and searching... |
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someDumbAmerican
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No. Only after you fix your bad credit. If you owe money there is no one in their right mind that would finance you, especially for hundreds of thousands of dollars. If you can't pay your 50 dollar a month credit card bill what makes you think you will be able to pay your 1750 dollar monthly mortgage payment. |
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Island agent
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Contact me and maybe i can find someone to help you. |
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DAVID K
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It depends on a lot of other factors.
Shoot me an email and I can tell you what you're up against. |
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brokerlauren
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There are a lot of "alt-a" lenders for B and C credit (not "premium"). If you are willing to pay, there are a lot of lenders out there willing to take the risk. Some government programs like "my community" and "ship" don't take credit scores into account. Just demographics of the area you are trying to purchase in and your median income. As long as they are in a certain price range, you could qualify. |
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n4aof
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There are lots of companies who will finance your mortgage, particularly if the house is worth more than you are paying for it.
However, keep three things in mind:
1. The companies willing to finance you are specifically in the business of financing poor credit risks, so they will charge you two or three times the interest that an average person would be charged.
2. The companies willing to finance you are specifically in the business of financing poor credit risks, so they will foreclose on your load in a heartbeat if you miss a payment. WHEN you miss a payment, your mortgage company WILL foreclose (taking your house and everything in it) AND WILL get a court order to clean out any bank accounts you have plus garnish your wages (which will usually get you fired).
3. Buying a house while you are in poor financial condition is a sure ticket to trouble. Something WILL go wrong with the house. Houses ALWAYS cost more than you expect.
There are some government programs and some non-profit programs that will let you avoid #1 and #2 above, but they don't really do much about #3. You are still going to have to be able to pay the house payment, and the taxes, and the insurance, and the utilities, and household repairs.
Being a home owner is great -- but ONLY IF you are in stable financial condition before you buy. Otherwise it is a quick way to ruin your life.
If you are in stable financial condition other than PAST bad credit, look into saving up quite a bit of money for a down-payment (at least 15% of the purchase price) PLUS at least two months worth of the expected house payment PLUS about $2000 for unexpected repairs, THEN start looking.
If you are in stable financial condition, you might also look at programs like Habitat of Humanity http://www.habitat.org If you qualify this is an excellent program which would enable you to get a house without needing to save up as much. |
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