 Is there such a thing as transferring your mortgage from one company to another? |
| The mortgage company i'm dealing with now is totally belligerent, unfriendly and unhelpful. They literally will not answer questions - they just tell me I need to re-read my loan agreement. I ... |
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 How do i go about getting an apartment if my credit is bad? |
| i have been evicted from an apartment but i can afford to rent an ... |
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 House market crash victim? |
A co-worker has asked me:
She bought her house a year ago, under an 80/20 loan. First at 7.5% fixed, second at 11% arm (or so she thinks).
She is struggling to make the monthly payment, and ... |
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 Question about buying a home? |
| My husband and I have signed a contract with a realtor for a home that we want to purchase. Tonight we meet with the mortgage company to turn in all of our personal and financial info. We were pre-... |
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 Would it be really silly to offer $210,000 for a house that is trying to sell for $310,000? |
| This house has been on the market now for over 7 months. The price has been reduced. The seller doesn't want the house to get repo'd.... |
|
 Why does credit affect getting an apartment? |
| Not only does credit make it hard to own your own home or car, now you can't even get an apartment. My fiance and I have shaky credit. His due to a divorce (ex-wife) and mine due to stupidity ... |
|
 Flood damaged homes - should i buy one? |
| tropical storm allison flooded houston - i'm looking to purchase a home that was flooded, and immediately remediated. should i be worried? maybe i shouldjust look for another house?... |
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 House sold under misrepresentation? |
| 10/3/07: My husband and I bought a golf course-view house in Indianapolis, Indiana. We closed 5 days ago; moved-in 4 days ago; and 2 days ago found out that the golf course is scheduled to close. It ... |
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 In what order do you do things when moving house? |
I don't know yet if I want to move because I don't know if there is anything I want to buy. If there isn't, I will stay put.
DO I:
1. Put my house on the market A... |
|
 Who is responsible for this damaged wood? Renter vs. Owner? |
| We rented an apartment and the railing on our back deck is made of dry rotted wood. When we moved in it looked pretty good. The wood is so dry rotted I could stick my finger through the wood. T... |
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 Is it insulting to offer $170,000 for a home listed for $189,900? |
The seller is very motivated, and the house has been on the market since August 2007. However, it has been reduced to $189,900 from $209,000.
what would be an acceptable offer?... |
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 If you have sold? |
| your house, how long did it take for you to sale?... |
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 Where is the best state to live at for a family of 4 or single? |
| (first of all I live in Va. and it suckS) I want to go 2 a place that is not a commonwealth state. and taxes is not high. and resonable of the cost of living. need some help ... |
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 What is the highest your credit score needs to be to get a mortgage loan? |
| I have been trying to get my credit straightened out for a month now and I was wondering how close I may be to actually getting a mortgage loan.... |
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 Landlord altered lease after I signed it. What can I do? |
| Yesterday my wife and I signed a 4 month extension to our rental lease on our apartment. Later that day someone taped a copy of the lease to our door that had been altered ($50 dollar increase to ... |
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howaboutit99@sbcglob... | Where can a person get a loan ,that has no score,actually before the 15th of sept.? |
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 |
 
Kaz
|
Yes this is possible. Be careful when reading some of the answers that you have received though, many of them are completely wrong. Your pre-qualification would always come before a pre-approval. This is what you get when a Realtor ventures into the mortgage industry...sorry Realtors, but really it is...
You CAN obtain a loan with no credit score and at very, very good rates. Sometimes lower than conventional rates. Have no credit in this case is actually going to help you, believe it or not.
If you would like more information on these types of loans then I would be more than willing to talk with you. Feel free to contact me at timothy.kazee@americanhm .com and we can talk.
...and yes...it could possibly close by 9/15/06. |
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Adam C
|
I know this guy down in the Southside. |
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Sandra M
 |
At a credit union. It also depends on what your income is too. If it's a student loan you can find a place to put off payments until after school, you just have to look. If they say you don't have the credit, you'll have to find someone who will co-sign for you. |
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staceydian
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If you have 3 alternate trades, meaning utility bill, car insurance, rent, cell phone etc., that you have been paying on time for 12 or more months they can be used to give you a credit score of 620 for the purpose of obtaining a home loan. If you need any help with this or additional information let me know, I am amortgage consultant. |
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gear jammer
 |
Loan shark. Down side interest is high
collerateral is your life |
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shawn w
 |
i'll loan you the money. One condition though. How good are you with your mouth? |
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pamela_davis
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Citi Financial but you're going to get a small loan and pay back tons of interest. |
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hugh.G.rection
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I know of a couple wholesale lenders that will do a "NO SCORE" homeloan. If you own a home email me and I'll give you my buddy's number. He is the VP of a large mortgage company. |
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amkornele
|
Are you looking for a mortgage? And do you not have a score because you don't have any credit or are you looking for a lender to ignore your score because it is so low?
If the first, there are lenders out there who will evaluate what your score could be based on your payment history with utilities, rent, cell phone bills, etc. Their interest rates are higher, but not in the loan shark range....
If the later, then your options are much more limited.
Best of Luck! |
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Openthathouse.com
 |
If you do a No Score program than when your credit is pulled there should be one page. If this is the case than what Lender will need is
One year NON LATE payments of verified bills from either:
Utility
Cell Phone
Any other bill that you pay on a monthly basis and is documented.
Once you obtain this information handed to your Loan Consultant/Broker and they will get you preapproved. Since you dont have a Credit score you have to get preapproved and not prequailifed. The process takes a bit longer. If everything looks good they will come back with a "dummy score" and give you a interest rate and terms.
Than you take your letter and go shopping for a house. Acutally easier to close if since you already were preapproved. Good luck and happy house hunting.
If you looking for something like a credit card than try orchard bank. |
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