home loan with credit issues?
360328
• Yes,\n\nAs a matter of fact, most medical bills aren't taken in consideration when applying for a mortgage.\n\nYour fico score is another story though. Having a low fico will not allow u(for the most part) to obtain a loan from a direct lender/bank, but a broker instead. \n\nThis could be a good thing though. Brokers are very competitive when it comes to interest rates. They can often give a much better rate than a bank can. The only thing people dont like when applying through a broker, are the fees they charge. But fees can often be negotiated as well.\n\nConsider your current need (not want). Do you need a loan now? or can u work on your credit first? A broker is the ideal source to go to when your credit is damaged or when u have a special need (e.g not being able to document your income, assets, poor credit, cashing-out at a high LTV, etc). But the more flexible they are, the more expensive it could get in fees as well as rates.
34419
I may be able to help you out.  I am a loan consultant with a national mortgage company called MYLOAN.  We are comparable to Ditech or ELOAN except our rates are better.  We work with borrowers of all credit types.  If you like, you can go to my website and begin an application or give me a call and I can take your application over the phone.  It takes about 10 minutes of your time.  I wish you luck in your search for financing.
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
200993
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry
986035
there are many different loan opportunities out there. you just have to do your research and see who's willing to accept your loan request. you may need someone to co sign with you so look into that too.
638792
www.naca.com\n\nIt's a non-profit housing lender, they make their own loans and also work with some lenders.  They will require you to get your credit on track and they will help you with that.  Check them out.
282483
Try getting a small signature loan through a credit union.  An unsecured loan has less stringent requirements for qualification.
908646
Some credit is available to people with bad credit experience.\n\ngood 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.
1005951
Even though you have "poor credit", you can still get a loan.  If you have assets, you can put them up as collateral.  An example, go to a pawn broker (hock shop)
1182257
good luck trying to get one..\nhold off on another loan; work to pay off your current ones as of now..
1164738
Some mortgage companies rely more on the items in your credit report than the score itself to make lending decisions.  If you haven't had and Bankruptcies, Foreclosures or mortgage lates, you should be able to get 100% financing.  \n\nThis most likely applies to those who have lower credit scores due to missed car payments, missed credit card payments, high utilization rates (the % of your total credit that is currently being used), etc.\n\nYou should contact a broker in the area and ask them to help you by identifying the different companies that might fund your loan for you.
981051
First, how is your credit?  It's more a credit issue than an age issue.  Second, how is your employment history? With today's economy, that's a really important issue.  \n\nFrom my experience, as a second time house buyer, I was certain I would not qualify for a mortgage at great rates.  Since I hadn't bought a house in 10 years, I was recently divorced, making very little money, I knew nobody in their right mind would want to finance me.  I figured, as much as I hated the thought of renting, it may be the better option of the two (I was currently living with my parents with my two children).I had called about a rental, knowing it was out of my range, but I was desperate.  It so happened that I was talking to a real estate agent.  She ran my credit report, showing a 797, 802 and 809.  She said with that, I had no worries.  So, together we found a home and I have been here since June of 2005.  \n\nWords of advice, be sure your taxes and insurance are included in your monthly payment.  \n\nGo for it - you sound like a 20 yr. old with a head on your shoulders and are ready for the homeowner responsibility.  Do your research and be sure you are prepared financially.  Good luck!!
657411
You need to go and talk to a Mortgage Broker.  Any loan officer worthy of the name can easily assess your situation in short order.  STAY AWAY from anyone who is going to charge you fees up front (with the exception of the fee for pulling your credit bureaus.)
156362
You can't.  If you have bad credit, you are a high risk.  You WILL pay more for a loan, PERIOD.
1119660
Hi! I deal with a similar situation between my husband and I. Therefore, you are totally NOT alone! There's no reason your wife shouldn't be able to obtain a loan since she has great credit. Unfortunately, as you already know, your chances are not as good. Don't fret though, you'll eventually build yours up. Be grateful your wife has great credit. Some couples have no help as they both have horrible credit, you know?! Just go forward with processing the loan in her name, regardless of her income. A bank can better advise you too, so seek their help. You'll never fully know till you try. So go out there and get you a loan! Good luck to you and your wife!
1069800
Put in refinance mortgage bad credit and see what you get.\n\n\nLC