How Do I Get My Credit Score Cleaned Up?
You definately want to see if any of your family member will piggyback their credit to you... What this means is that they add you as an authorized user to their open and positive credit cards.. Be sure the family member doing you the favor has a tradeline aka credit card account that is within 45% of the credit...

Question about getting a new mortgage, bad credit
Hello, as the others mentioned you wouldn't like your interest rate.Where did you get your credit scores from? Online sites like Credit Karma & Credit Sesame, don't accurately reflect your credit scores. In other words your scores most probably will differ on an actual mortgage credit report. I offer...

How long does it take the mortgage company to find out if your taxes are filed by irs. We filed and gave all docmnetation including the check statement showing the irs had cash our check.
Before lenders could accept the filed date as proof (some lenders still do but not all). With all the fraud seen in the past couple of years, lenders have to wait to continue with your loan(s), until all returns have been processed by the IRS. Therefore, when the lender orders your transcripts normally a...

Just refinanced and now need to move due to job loss? Can I rent my home?
You will not have an issue. You did not lie of your intentions at the time you refinanced, therefore there is no need for you to contact the lender. Regarding the insurance you may want to leave your current policy in place and simply remove the personal property except for appliances and HVAC unit. ...

Had a fourcloser 2 1/2 years ago
Short sale with FHA Loan Can purchase right away with no mortgage default 3 year wait if in default at the closing Reduced wait if the borrower has re-established good credit and can show extenuating circumstancesShort Sale With Fannie Mae Loan 2 year wait if the borrower puts 20 % down 4 year wait if...

If my mother and father are willing to co-sign, will that excuse me bad credit?
Hello, as the others mentioned you wouldn't like your interest rate.Where did you get your credit scores from? Online sites like Credit Karma & Credit Sesame, don't accurately reflect your credit scores. In other words your scores most probably will differ on an actual mortgage credit report. I offer...

Bad credit
Hello, as the others mentioned you wouldn't like your interest rate.Where did you get your credit scores from? Online sites like Credit Karma & Credit Sesame, don't accurately reflect your credit scores. In other words your scores most probably will differ on an actual mortgage credit report. I offer...

Refinancing
Your husband refinanced your home without your permission.. I am going to assume you did not want to be on title nor the loan? In many states you automatically get added to the deed as a spouse.. (check you state laws). However, now what you are talking about sounds like fraud. Joint loans require two...

I am wondering how I go about getting a mortgage if I have a bad Credit score of 680 with a large downpayment?
Jinicoi: As we are all reading this the question is going to arise, all that money and bad credit? Unless you recently just came into the money. Many lenders will not like this scenario. With that much money settling debts worth $1000 is a little suspicious to underwriters (gate holders of approving...

Mortgage question on purchasing a second home?
Daisy, first the proper term is joint loan applicant. The way you want to do it will still put you on the loan and the PITI will be counted against your ratios for the new homes' PITI. Also many lender will most likely flag the recent transaction and pull teeth to verify the purchase of the new home. FHA...

bad credit preapproval
Hello, as the others mentioned you wouldn't like your interest rate.Where did you get your credit scores from? Online sites like Credit Karma & Credit Sesame, don't accurately reflect your credit scores. In other words your scores most probably will differ on an actual mortgage credit report. I offer...

Can I qualify for a Home Equity Loan with bad credit?
Hello, as the others mentioned you wouldn't like your interest rate.Where did you get your credit scores from? Online sites like Credit Karma & Credit Sesame, don't accurately reflect your credit scores. In other words your scores most probably will differ on an actual mortgage credit report. I offer...

FHA loan qualification
Have you tried disputing the account with the CRA's. Many times an original creditor will not reply to the CRA's on disputed accounts that are paid off and closed. You may get the account completely deleted. You can dispute the lates as not being his in writing and the lates will either be...

I Want to buy a house, but have bad credit
Hello, as the others mentioned you wouldn't like your interest rate.Where did you get your credit scores from? Online sites like Credit Karma & Credit Sesame, don't accurately reflect your credit scores. In other words your scores most probably will differ on an actual mortgage credit report. I offer...

credit score required
I am going to assume you do not have credit scores and are inquiring on credit scores. Lenders these days require a minimum of two scores. If you don't have any it could be you either don't have any credit or your credit is not reporting to the CRA's. If you have credit and it is not reporting...

What is the minimum credit score needed to get a home loan in kansas?
Many lenders will require a 620 and above for FHA. Though FHA guidelines state they can go as low as 580 with a minimum of 10% down but to get the 3.5% down payment with an FHA you will require a score greater than 620. If you are asking this question I would assume it is because you have low scores. Look at your...

203K Loan in Tennessee
Thanks Travis... You seem to know much on this subject what about the contractor bids? Is this done before the offer/contract or after which I would assume prior as to include the correct repairs/price in the sales contract? Does the contractor need to be a HUD certified one if their is such a thing or can...

Can I use the equity I have paid on land and place it toward a home mortgage?
You question isn't specifying the fact of where the new home will be (on the land with equity) or a built home on a different parcel? Building a new home on the existing land with the existing equity the answer is yes, this is what construction loans are for.. However, using equity from one parcel as...

I need suggestions on who to try to go through for a refinance with cash out on an investment property please.
Shad, unfortunately refinancing a second home does require a higher credit score, with stricter guidelines. Raising your scores isn't that difficult. Check your credit for inaccuracies. Dispute inquiries. Also consider increasing the rent. And if that fails consider selling the home....

Ca I get a home equity loan with bad credit?
This may not be what you want to hear, but you will need to bump your scores. Take a good look at your credit reports all 3. Experian, Equifax, & Trans Union. If you'd like some help on improving your scores, give me call. Good Luck.