how can i get a low interest rate, low payment mortgage in Utah with poor credit?
156362
You can't.  If you have bad credit, you are a high risk.  You WILL pay more for a loan, PERIOD.
9904
when you can get lower payments
575082
I would say you are at a right place, because i just read your question. I am loan officer and specialized in helping people with the worst credit they can have. So feel free to write me at refinance@inbox.com\nI am sure, i will try to get you the best possible rate which you qualify for.
928894
First, don't get forced into the builder's preferred financing unless the incentives make it worth your while! If you can, find a loan rep who will get you pre-approved somewhere. Yes, you do have to give the builder a deposit of some sort (or it's called a good faith deposit). Hopefully your loan rep will explain everything to you in plain language and through the whole process. You may want to contact a company "Home Loan Experts" who helped me a lot! They can shop for the best deal for you! Good luck!
464183
I do loans for people with bad credit all the time- and some are really bad.  Your best bet is to have a mortgage professional review your credit, income, and savings and they will be able to tell you what you qualify/ or not qualify for.
499566
There are a number of options depending upon your Mortgag company.  There are skip payments, interest only payments, etc... Consumer Credit Counseling (CCCS) cannot help you with lowering your house payment & any company that does not wish to accept CCCS terms will simply mark you delinquent.\n\nI recommend you call your mortgage company - talk to them, let them know your situation and see how they can help.  \n\nYou will be amazed how willing they are to work with you if you call when you are first entering a hard time!!
90159
If you have no credit, its almost like having bad credit. Nobody will want to finance you because you have no history. Your best bet would be to go for a HUD home. They will build a home for you or give you a standing home in good condition and they will work out a payment that meets your budget. It was designed for people in simaler postitions. There is also Section 8 houseing that you can look into. There are probably waiting lists for them. Other than that you could get a realitor to point you in the right direction.
222834
With a FICO credit score less than 500 the mortgage you will get will be from a Sub Prime lender(as someone else mentioned) and will have a VERY High rate (possibly close to 10%+) and will probably have a 2-3 year prepayment penalty. \n\nFind a nice apt/house to rent that meets your minimum needs and begin working on your credit. You can radically increase your score within 12 months, and you will get a lot better interest rate. In your case even if fixed mortgage rates rise 1% over the next 12 months(probably not likely)you will still be in a better shape than paying on a high rate mortgage for the next 2-3 years.\n\nGood Luck
179481
I have actually been where you are.  I had very poor credit for years (FICO score under 600).  Today, I own a home and have a couple of 0% interest rate credit cards with high limits.  I wrote a detailed credit-repair guideline called, "When Good People Have Bad Credit." \n\nI'm providing a link below.  Good luck to you!
572749
The lowest rate on the market may not be the lowest rate available to you as what lenders will offer you depends on your personal circumstances. The lowest rate today may not be the one you get as interest rates are subject to change - go visit a couple of different brokers and get some illustrations of what is available to you based on your circumstances.
623420
Your best bet is to visit a local mortgage broker.  If your credit is shaky they have more options.  If your credit is great, they will compete as much as they can with your local bank on rate and fees.  \n\nCheck out my new blog on mortgage brokers:  http://explaintome.blogspot.com
1136803
Pulaski Bank...but they do a credit check on you. Search Yahoo for low interest credit cards.
10570
Try Regional Mortgages.\nhttp://www.regionalmortgages.com
907399
you may have to go to a sub prime lender and pay a slightly higher interest rate.\n\ni would visit a mortgage broker, sit and go through it with them, they will recognise the best deal for you.
1069800
Put in refinance mortgage bad credit and see what you get.\n\n\nLC
135090
Call Countrywide Mortgage - they have aggressive programs for credit challenged. You'll be surprised.
1002504
The more you apply for & get turned down the worse it looks on your credit rating.\nThe best option for you is to take out small loans & pay them back preferably early as this will improve your credit rating do this 4 or 5 times & your credit rating will improve a lot.\nThe only companies that deal with unsecured/low or no credit score will charge an extremely high rate of interest & I mean high, for example Provident charged a total payback of £534 on a loan of £300, Welcome Finance are owned by Provident also now & most people get accepted by them because the payback is so high