My credit score is low low and due to divorce i have to sell my home if i cant get his name off 2nd mortgage?

Most lenders will require a 640 credit score for Government loans now. Not sure of your score.

There's just too much info missing to properly answer your question.. What is your Credit Score?? What is the home worth?? How much do you owe on the first mortgage? What are your current rates on both first and 2nd?? Do you have a Fannie / Freddie owned loan?? Best advice I can give you is to contact a local mortgage broker, not a bank, and apply with them... they can look at your complete profile and find the right loan product for your particular scenario... WilliamAcres.com

I agree with the above answer. However, sometimes contacting a bank and not a broker is a better option depending on the banker. I work for a bank and have a credit rescoring system so depending on your credit scenario, in some cases I have raised credit scores by 60-100 points in 2-3 months. There are NOT a lot of options, maybe none, depending on how low the score is. I would have someone that does credit repair pull your credit and see what they can do. My bank is capped at a 640 middle score to work with potential customers. Once that milestone is reached, there is a LARGE selection of loan options to choose from.Please let me know if I can be of further assistance.

Kaileee,Call me and I will take an application.We will see if we can do credit repair or refinace you with your current scoreRandy Raque 502-645-0736

Dear Raceland,Its not a lender who can, its a program, Depending on your situation and property. I can review the program with your and see if it is a good fit for you.Scottscott@mortgage-me.us

Kailee, You may be in luck. There are a lot of pieces to your situation that are missing. You say the balance on the second is $12k, but you don't say what your loan to value (LTV) is. I just closed a loan using FHA's 203k rehabilitation loan product. The LTV at the start was just under 104%. They added a new A/C, and re-vamped the kitchen with new flooring, counter tops and appliances. Because the 203K allows you to borrow up to 115% of the "as finished" value, there was enough money to pay off the existing mortgage and do the work. It's possible this could work for your new roof and pay off the second. Contact a local Mortgage Banker/Broker and verify that they are 203k certified. I always recommend using a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. They will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, They are trained to take a look at the various different options available to you, like the FHA 203k. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com