We have tried and tried to refinance but have a very high debt ratio---we have never missed a payment but NO one will help us--we have been turned down all the time----why won't anyone help us get a loan to refinance everything.....can you help???
Hi MarshaCouple of things I can recommend. We have a product called a 125% Loan to Value that we may be able to offer. Is your home worth more then the balance? Is your credit mid score over 640? Do you have enough equity in your home to get a Consolidation Mortage, pay off some of your debt to bring the debt...

WE are renting our home the owner is wanting to sell it. Can we use use our reciepts to help with our loan?
In most cases 3 Credit Reporting Agencies, credit reports are pulled. Financial Institutions look at the middle score, it should be at lease a 640. There are some other types of financing however, more documentation is required if your score is above 580, and lower then 640. Mobil Homes and or MIxed Used...

We have a bankrupcy/foreclosure about 2 years ago Will anyone give us a home loan?
FHA will consider 2 years out of Bankruptcy from the discharge date. However, for the most part you need to be free of a foreclosure for 3 years from the date that the Forclosure was finalized.If I can help you in the future give me a call586-228-7220SincerelyFran TrzeciakSr. Loan ConsultantTop Flite...

Is it possible to get a mortgage between 12 and 24 mths after a foreclosure with 670 credit and perfect credit record before and after foreclosure? Are there banks that will loan, even with higher interest rates?
They are right it is 3 years from the date forclosure is recorded. However, if it is husband and wife and only one person was on the mortgage the other may qualify. Land Contract is also an option. You could also have a parent purchase the home, with enough down as a rental home. Rent it to you until your 3 years...