IS it possible to get  a $20,000 debt cons. loan without a house?
604941
just according to your salary and credit rating
156362
You can't.  If you have bad credit, you are a high risk.  You WILL pay more for a loan, PERIOD.
378135
here's an idea: get a job.  But don't worry you aren't alone Lot's of people take 20years to pay off loans.  They are called home mortgages.
875032
It's not entirely impossible. How's your credit? Have you or your spouse been working at a job for 2 years or more? With paying rent, can you provide rental verification? Have you ever claimed bankruptcy, if so how long ago? There are a lot of houses for sale with the owner offering to pay towards closing costs. And if you have good enough credit, you may be able to come into the loan without a down payment and also have the luxury of the seller contributions. Depending on the house you're interested in. There are a lot of questions behind that question, you just have to get started on the pre-qual process and then find out from there.
445929
Did the Earth just shake?  Something awful happened, cause we finally got a wise answer from icsowesmemoney!\n\nFact.  You owe $20,000.  \nFact.  You make $800/month\nFact.  If you were somehow able to find $200 in that tight budget, and factoring in interest payments, it's going to take over 10 years to pay this debt!\n\nThe other responders completely ignore your comments on the difficulty in finding a better paying job.  Some day, they will lose their jobs or get laid off, and will discover this fact for themselves.\n\nYou are a prime candidate for filing chapter 7.  You will not meet the "means test" because you don't make enough money to be forced into a Chapter 13 "wage earners" plan.  With no home or car, you have nothing.  \n\nCheck with the local bankruptcy attorneys, and you may even find a program for low income people and get a very low legal cost.\n\nGood luck.  You are in very good company.  Many thousands of other people filed for bankruptcy last year for this very reason.
1091615
Hi\nYou may have trouble in getting an unsecured loan for $30K.  I am a loan officer at a bank and when it comes to most debt consolidation loans, they are unsecured -- meaning no collateral.  This being so, unsecured loans are not real big loans.  You could do this as an equity loan against your house (or your friends, i mean).  Once there is collateral, the terms involved get much "friendlier:"  Good Luck!
29088
In order to get a 1st mortage without Mortgage Insurance (which is a non-tax deductable insurance policy you may monthly to insure the lender in the event you walk away from the loan), the loan amount cannot exceed 80% of the purchase price.\n\nYou can either put down 20%, or get a 2nd mortgage to cover the difference between what you have to put down and the remainder to keep that 1st at 80%.\n\nIf you can put down 20%, great!  You should.  If you don't have that, you can go with 10% or 5%.  Some places will allow you to finance 100% of the purchase price, as a 80% 1st and a 20% 2nd, but the rates are typically higher.\n\nAvoiding mortgage insurance (sometimes called "M.I.") is your best bet, because it doesn't benefit you in any way, shape, or form.  In most cases, the payment you will make on a 1st and 2nd will be the same as, if not slightly lower, than the just the payment on the 1st plus mortgage insurance.\n\nRemember that you'll have closing costs, too.  It is in your best interest to shop around for rates, just don't take the first quote you're given.  Do not allow your credit to be pulled unless you have decided to do a transaction with that particular company.  Credit inquiries will lower your score for several months, and might bump you out of a good rate or program.\n\nJealously guard your credit!
978882
DADDY???  I need a loan??  Yeah about 20,000  USD
1091325
you can look at my profile\nthere I have a link you should have interest in\ncheck it out for yourself text from the site\n"We have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required."\ngood luck
531745
Probably, but you will not get the best interest rate. A big problem will be if you have too much other debt: car loan, credit card bills, etc. This plus the higher interest rate will limit how big a loan you can qualify for. Before you go house hunting, go to a reputable loan officer and find out whether you can get prequalified.\n\nAnother way to go will be to look for a house with owner financing. \n\nI hope that you are taking steps to clean up your credit and to correct whatever mistakes you have made that have hurt your credit rating.
913111
Bad situation...maybe you get a loan from a bank or a lending company.
20658
If you can't get funds from a bank, you might consider going into a partnership with a real estate investor. Have the redeem the loan for a certain percentage of the equity in the house. Agree to either sell or refinance the house within a specified number of years. \n\nYou will be giving up a chunck . . . however, you will not lose your home, you will NOT have a foreclosure on your credit report which will cost you in high or denied interest rates for many years, and within a couple years, if you keep your credit in spotless shape, you should be able to refinance and get back on track.
1019742
No, there are ways to get into foreclosures with very little to no money.  Try http://mwdbol.refortunes.hop.clickbank.net\nI bought this several months ago and just got my first foreclosure, and i am a student in college.  He knows his stuff, check it out.
769231
Yes you would be able to get a mortgage, but there are certain things that will help improve you programs. Like if you have re-established credit. Example if you have a credit card, car loan or some other form of credit. I have been able to help people buy homes the day out of a bankruptcy. Fell free to log onto my company website http:/justgetaloan.net/ for a fast free pre-approval, low rates, great loan programs and service. Or for additional info feel free to contact me at 866 530 7300 ext 7305 or by email at jfreeman@justgetaloan.net
541848
There are indeed ways to by a house even with poor credit.  The powers that be do understand that people have to live somewhere and pay, so they do loan people money.  Nowadays, one can even find homes to buy with very little or nothing down.  Usually the penalty for bad credit is higher interest rates though.
651008
You can have a thousand bankruptcy's on your record and still qualify for a loan.  Finding someone to loan it to you is the trick.\n\nIt depends on how many, and how much.  You can probably get a loan but the interest rate will be a little high.
248936
you might consider a no dock loan  which more expensive than a regular loan   or find a cosidner to help you with qualifying