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bad off dee worst Asked:

I may have the worst credit in the world can anyone help us my credit score is low its 495 my wife score is 575 we live in a manufactured home worth $89000 we owe $61000 we are in chapter 13 have 16 months left can anyone help us we would like to refinance and get life back on track can anyone will anyone help. [Chattanooga TN]

02/18/2009

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Answer Provided by: Susan Hufford [02/18/2009]
 

I'm sorry but I don't know of any lender who will help you based on your current scenario. Maybe the mortgage company who currently has your loan can help you? Give them a call.

 
 
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Answer Provided by: Danny S. Kim [02/25/2009]
 

Consult a local mortgage broker who is a credit expert and request advice. Have them pull your credit report and make suggestions. Also, inquire about an FHA loan which allows refis even for those in Ch13 w/ a 12 mo. history of on-time pymts.

 
 
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Answer Provided by: Danny S. Kim [02/25/2009]
 

p.s. - Pay down credit card balances and dispute erroneous negative items on your report. Try http://www.lexingtonfs.com/ and enter LexID #5308 for preferred rates. Good luck.