Is it possible for us to refinance?

Good afternoon! It sounds possible but in all reality until a lender pulls your credit and takes a look it's hard to say if you would qualify or not. I know that from my own experience we are able to go down to a 600 credit score and I just helped a lady with little credit obtain a loan for her own home. Contacting a lender and applying is your first step. From there your lender will be able to give you the information you need to purchase the home of your dreams!Amy WedigLoan OfficerLiberty Mortgage Company614-257-8551

Good Day,It is possible, we do have lenders that offer loans to less than perfect credit borrowers. The first place to start is to view a current credit report. we can also help suggest how to improve your credit.I hope this helps.Sincerely,Paul BenezraCascade Equity Group, Inc

Your best plan would be to find a local Mortgage Banker or Mortgage Broker (Not one of the big banks). Many of us MBs are willing to work with a client such as yourself and develop a plan to get you loan ready, if you are not already. You say your bad credit is from when you were younger. It's possible that time has eroded much of the bad stuff from your reportable history, but the only way to know is to work with a MB.

Nations Lending Corporation would love the opportunity to help you achieve your goals with purchasing a home. Feel free to give us a call any time between 9am to 9pm EST Monday through Friday. So we can get you over to one of our State Licensed Mortgage Bankers to help you out.Call Tiffany at 877-816-1220 x 2310.Leave a detailed message with your First and Last Name, a good Contact Number, and a good time to be reached.

without knowing your credit score it difficult to say, but if you cannot qualify now, it's very possible to get in a position in the near future to purchase. Best bet is to contact a local mortgage broker, not a bank, and let them work on your file. WilliamAcres.com

I just read all the answers you were given and not one of them has offered you a true solution. The first solution I can think of is some kind of Co-signer/Co- borrower on an FHA loan. With you wife's good credit and steady job, she can buy a property with a co-borrower such as a parent, relative or someone else who is close to her, who does not need to agree to live in the property. This is called a nonm-occupant co-borrower in the mortgage business.This Co-borrower would need to have good credit, income and hopefully some money in the bank as well.They can even provide the downpayment if you do not have it saved up in the bank.You yourself can also be on the title or ownership of the property, but your name would not be on the actual loan itself. I am a California Mortgage broker, and could not help you in Ohio, but either your or her parents would be a good place to start to ask if they would consider being a co-owner/co-borrower. Pay all of your credit bills on time from this day forward, and your credit will be perfect in the eyes of most all lenders after in 2 years or less in most cases.You are young and have plenty of time to get your credit back to good. You want to try to get your middle credit score above 640 to qualify for most FHA financing. Some lenders go as low as 620. Right now, the higher the score the better, but shoot for at least 640 is my advice. Find a mortgage broker who can make FHA loans, and review your credit report with him/her, for advice on how to get your scores up.You have a great job, and you will not be a renter forever.If you need more creative ideas give me a call.Jedd Nabonsal Mortgage Broker Pinnacle Bancorp Los Angeles 310 433 1703