gm1957
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Do not let anyone tell you that you can not get a mortgage without them seeing your full mortgage application along with your full tri-merge credit report.
If your credit score falls into the 'low' range then you would have to go to a sub-prime mortgage program. You are more than likely going to be paying double digit interest rates.
Do not let anyone say they CAN get you the mortgage either without seeing the applicaton and the credit report. If you want some assistance then email me at greg@mcclainfunding.com anytime. |
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Louis H
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What State are you located in? |
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Ms.Green2006
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You can't your mortgage rate is base on your credit score |
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plcarnrike
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Lowermybills.com is my favorite place to go.
The best thing to do is to get rates from a bunch of different places and compare them, see which ones give you the lowest rates and what ones are are higher because of your credit score. |
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Skip
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Each person has a credit score. Your credit score will determine your interest rate. No one can change that fact.
The best answer is to find a mortgage "Broker" that understand sub-prime and Alt-A loans. This broker might be able to find you a better loan once you have given him the authorization to get a credit check, and evaluate your application.
Once your application has been evaluated he will be able to get you a mortgage interest rate based on your credit score. If you an extremely low score there are a few adjustable rate loans that you can benefit from. They are normally called 2/28 and 3/27. The loans are amortized for thirty years and are in fact 30 year loans, they just have a one time adjustable period. The first number indicate the number of years your loan is fixed for. After the fixed period is over your mortgage automatically reverts to an adjustable mortgage. If you have paid your mortgage on time you should have no problem refinancing your home just prior to the adjustment period. If you wait until the adjustment period is over you will not have to pay a penalty. Most of your first years in a mortgage you are paying interest any way so you are not really paying down very much principal, if any a all.
I hope this has been of some use to you, good luck.
"FIGHT ON" |
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loansbyanthony
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there are ways to buy down the rate or look at a FHA loan. |
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ruthann_71168 @yahoo.com
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try wells fargo i got a real low mortgage rate from there. |
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Rishi
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It will be difficult, you should not try it.
You can get it in a low-prestige bank; but the thing is that those banks if they get in bankruptucy you can loose all your money. |
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Frank R
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yep, get a lawyer. |
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pro_v_0003
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email me at pro_v_0003@yahoo.com, and i can get you the lowest rates you can qualify for, i have more than 350 lenders i work with, and more than 200 diffrent loan programs, you can visit my website at tffginc.com but if your interested in getting financed i would recomend emailing me with your scenario, and i can give you a more specific ballpark of what your looking at. i have no loyalties to lenders, i work for my clients, so you always come out with the very best deal you can qualify for, and im an expert at getting you qualified |
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jon g
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get all three credit scores. what are the scores ? what is the ltv ? do you have any mortgage lates ? are you in bk 7 or 13 ? The mortgage bank I work for for has very good rates. Email what the score is and I will tell the you what rate you will be at Johng@oldmerchants.com |
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satarnag
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Now a days, if you have a pulse, you can get funded. Run your own credit (and dispute any false negative information) and take it, along with a filled out loan application (You can download and print the loan application without providing any information from my website at www.amirifinancial.com) to a few mortgage brokers in town and see what they can do for you. Don't sign anything and don't let them run your credit until you found the mortgage broker who can give you the best possible loan.
There are other factors that come to play, for example, Loan to Value, Debt to Income ratio, etc. that might benefit you.
Good luck and I wish you well. |
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Ms Beautiful
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get FHA LOAN....talk 2 your lender |
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