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<... |
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jalapino4 | My credit score is very bad, can i get a home loan in california? |
Me and my wife was thinking of purchasing a home. My credit score is very bad @ 570. I'm not even sure if i can qualify for any loan at all. I was very bad before, max my credit card, didn't pay my bills on time and so on. after this 2 years having this great job and manage my bills to current status and pay everything on time. My score when from 530 to 570. So i come to you for advice. I have been working for almost 2 years now. My wife want to use her name as a primary since her score @ 750 but she didn't work long. only 5 months with a school district. Both our income combine a little over 5,600 gross. One problem that stop us is our bills on credit card, auto, and student loan to pay @ around 1,350 per month. This will dropping our income around 4,100. I know this is crazy knowing i have alot to pay before thinking of a home. But i just want to know my status from any loan office or anyone that had came across this situation before. Is there such loan out there that fit me? |
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Millionster
 |
As you may or may not know it is very difficult to buy a house now for people with low credit scores (less than 700.) The stock markets are falling and companies are failing because they lent money to people who were not creditworthy at ridiculous rates they could not afford. So to be blunt you don't have a lot of opportunity now as it stands, but that's not to say there isn't hope. First let me say that for you it may be cheaper and more financially sound for you to rent until you either get a better credit score or the housing economy improves again (which can take years). Fixing your credit score though won't take as long so focus on that for now.
Let me share with you my tips that you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year -- :
# Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you
Read more here:
10-Ways to Boost Your MyFico Score
http://millionster.com/articles/debt/increase-fico-credit-score/
When you're trying to build a solid credit score it's important to get a comprehensive view of what is actually effecting it...
Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:
35% - Payment History
30% - Credit to Debt Ratio
15% - Credit History
10% - New Credit
10% - Credit Types in Use
If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score |
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TygerLily
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There will be lenders who might try to write the loan however even they are having difficulty writing loans like this because the federal government is cracking down on what is known in the biz as subprime loans.
The reason is that people that have problem paying current bills will hav problems paying future bills as well. At least that's what popular thought says. And that popular thought includes a higher number of foreclosures on homes than at this time a year ago.
In essence the banks are saying, we don't want to underwrite those loans because people are walking away from them and they simply are not good loans to make.
Banks don't want to own your house, they want to make interest on your loan. They want loans that people are going to be willing to pay.
More and more Americans are saying to heck with this loan, I can go live with my grandmother or something. And the banks are left holding the bag.
Now, if you get a loan you will pay VERY HIGH interest rates.
What that means is that if your payment is 700/month for your mortgage, you will be putting 650 in the lenders pocket. This will not be applied to your principal, this will be their portion.
You, most likely, will regret getting into something like this.
It is very difficult to see your money going out the window and very little return on it.
I would seriously recommend not purchasing a property at this time. The interest rate on the loan will make for a very unhappy situation.
Trying to pay a loan with a high interest rate is not a picnic.
The one thing that I would recommend is two fold actually,
try to pay down your bills, and try to find a program for first time homebuyers.
They are out there.
Do not stress yourself trying to purchase real estate before you're ready. That house you love can become a major headache as you struggle to maintain it.
In addition to the bills you're used to paying as a renter there are other costs associated with home ownership including property tax, possible HOA fees and any repairs that must be done.
At any rate, that's my 2 cents, I wish you well. |
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UFG
 |
No you can not get a house at this time because the banks are not going to approved your loan is very hard, because a lot of people went to foreclosure becuase they couldn't make the payments, so Banks are losing money. My advice for you is to fix your credit, clear all the bad accounts you have in the past, that way you credit is going up you credit score will go up 700, at the time you will qualify for a house more easy, but keep in mind you need downpayment of a least 5% or 10% of the total price. If you need more information please contact me.
Carolina |
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robert w
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candidly?
Do Not get a loan until u clean up the mess ur in. a house loan in ur case is financial suicide. the house/loan market is in a major correction . u need to save save save and rent til the correction is over and u have money and knowledge. Lots of both.
visit daveramsey.com to learn what u haven't and do need to learn.
or we'll get to visit u. |
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fdfct
 |
You probally could but, only with a co-signer. |
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Yanswersmonitorsarenazis
 |
You need to wipe out some debt first. Leave the student loans, but get rid of your credit card and lower some of your other debts.
You shouldn't take on more than 50% of your gross income going towards debt. With your current situation, that only leaves you with about $1500/mo. for a housing payment.
$1500/mo. will only get you about $180K for a mortgage. From what I understand about CA real estate, a $180,000 home isn't easy to find.
Also, with your scores where they are, FHA is really the only viable solution for you. They require a 3% downpayment. Bu they offer great rates, very reasonable mortgage insurance, and no minimum credit score.
Also, eliminating your credit cards will likely improve your scores. For 100% conventional financing (and mortgage insurance that's affordable), you'll need a 620 score or higher. Paying off credit cards can often raise your scores 30-50 points. |
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Helen m
|
There are hundreds if not thousands of websites on the internet enumerating the ways to apply and receive home loan when you are plagued with bad credit issues. These sites help consumers with bad credit scores to increase the viability of their existing credit scores and set up loans regardless of their credit history.Companies that specialize in bad credit home loans; usually offer a wide range of options for consumers with bad credit<!--These options include Bad Credit Home Loans, Home Equity and Line of Credit (HELOC) Loans and different options for Mortgage Refinancing, making it possible for those with bad credit to realize the dream of owning their own home.You can find more information on Home Loans here,
http://badcredits.awardspace.com/homeloans.htm
They also offer a debt consolidation offer which helps the home owner organize a comprehensive program for controlling their spending. Many consumers with bad credit are grateful for the opportunity to receive a second chance, sort to speak-->Bad credit hasn't stopped them from purchasing a home. There are several programs available for people with bad credit that helps to restore their credit status and to live debt free lives. |
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