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Asked 10/15/2009 06:48 am CT (Clinton, MI)

Hi I've been at my job for 3 years. I bring home about 20,000 a year (not much) and my credit score last time i checked (about a year ago) was 566. I had collections and almost all of them but 2 are paid off. I have others on my credit report that have been paid and i tried having them removed with no such luck. I would like to buy a cheap home say 50,000. Is this even possible for me? What can I do?

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You'lll need a minimum of a 620 FICO score at this time to qualify for a mortgage, but that's just t...

[ Total Answers: 1 ]

 
 

Asked 06/04/2009 09:55 am CT (Asheville, NC)

I have scores of 513, 560, and 548. I am currently trying to clean up the CB scores and expect this to improve somewhat. My husband has 568, 580, and 598. We have an income of 76,000 per year, i have been employed 2 years, him 1 and a half. We have had no late payments this year. We have only student loans as debt, but its about 50,000 between the two of us, the payments around 345 between us per month. We have a landlord willing to write a letter that we have been on time every month, can show statements of our electric, phone, and cell bills, all current for the past year. We have a down payment of 3500, and we have closing costs. We want to buy a house in our neighborhood for 158,000. any chance we can do this PRIOR to the end of the year???

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Yes, but you need to get your scores at or above 620. Credit score standards have become more stric...

[ Total Answers: 1 ]

 
 

Asked 06/02/2009 11:05 am CT (Columbia, SC)

Hi! Mine and my husband's bankrumpcty has been discharges for almost a year( chapter 13). His credit score is 575 and mine is 566. We really would like to trade our double wide mobile home in for a new one. We do not have much money to put down on a new one but we can afford to make payments. Do you have any suggestions?

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Asked 05/29/2009 06:17 am CT (Medford, MA)

I filed for chapter 7 August 2007 and dischaged on January 2008. I maintained my credit very well after the bankrabcy. My credit score from transunion is 732. Can get approved for a mortgage if I apply for it. Can you help me find a mortgage company that could approve a mortgage for me?

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Asked 05/13/2009 12:01 am CT (Modesto, CA)

im two years in a chapter 13 bankrupcy i have one year to go i want to buy a house california morg is trying to get me approved. but every lender is turning me down i missed a payment about 15 months ago. so i have 15 months of clean payment history.my credit score is about 640 is it possible to get a lender to take me.i make about 54000 a year

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On a FHA loan the requirement is at least 12 months of current payments to the trustee. you would ha...

[ Total Answers: 1 ]

 
 

Asked 05/04/2009 05:06 pm CT (Albany, NY)

My credit score is 715 and my wife is 750 first time buyers,putting down about 5% what kind of morgage are we looking at.....thank you

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Penny, With your excellent credit and a 5% down you will qualify for an FHA loan to purchase your...

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Asked 05/02/2009 12:24 pm CT (Abilene, TX)

My question is, my husband\'s credit score is 566, i am not sure what mine is but is probably lower than that, we have been leasing a house for the last 4 years but would like to purchase it now. The price on the house is $70,000, are there any lenders to go through without putting a huge amount of money down?

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Laura, We have programs that can help you, with our free credit repair service. Depending on your...

[ Total Answers: 1 ]

 
 

Asked 04/22/2009 10:37 am CT (Louisville, KY)

My husband and I are wanting to sell our home and buy another home in a nicer neighborhood. The house asking price is $199, we have seven thousand saved to put down... my husbands credit score is 652, I do not know mine, but it is probably really bad. Can he be approved for a 199 loan on his income alone of $50 grand? We will also more than likely take a loss on our house of $6 grand. Any ideas as of where to go for assistance on a down payment loan or if a lender will allow us to borrow more than the asking price to cover the loss in the current house. We are really clueless as what to do!! My income is $33 grand a year

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Asked 04/03/2009 09:39 am CT (Chicago, IL)

Hi, I have filed chapter 7 bankruptcy on 2003. My credit score is 610. My question is if I put down 25% down, will I be able to get a mortgage and I am a first time home buyer.

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Asked 03/17/2009 07:26 am CT (Lubbock, TX)

Hello! I have a credit score of 574 can I get a FHA mortgage loan? What are my options? I appreciate your assistance. I can be contacted at 806/946-7338 or email. Thanks Rebecca

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Rebecca, the minimum credit score for FHA is 620, please call me at toll free 1-866-711-8195 ext 102...

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Asked 03/03/2009 12:26 pm CT (Jacksonville, FL)

i am in my fourth year of a five year arm in desperate need of a refi. my current rate is at 7.85% with the chance to jump to who knows what when my arm matures. when i bought my house i anticipated a lot of work, regular payments on my mortgage, and an increase of my credit score, resulting in an easy refi. unfortunatelly, i work in the construction industry, so the last four years have been an uphill battle and with the economy and lending being at the levels that they are at, i worry that, without some sort of stimulous help, i might be running out of options. what resources or institutions would you suggest that i research?

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Call your mortgage holder and discuss a modifaction option with them....

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Asked 02/25/2009 10:08 pm CT (Los Angeles, CA)

I am paying on a Townhouse that I owe only $117,230.87 and the interest rate is only 5.50%. I am current on my mortgage. I have a loan for $45,000.00 and Equity Credit Line for $20,000.00. My credit score is 780 and I wanted to refinance everything under one payment but the value of the property has dropped from $262,000.00 to $130,000.00. What other possible options do I have or should I just leave everything alone and concentrate on paying the equity line off first and then the loan? Thanks for your input.

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You have no real refinance options that will help with consolidating your debts. Your best bet is to...

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Asked 02/23/2009 10:26 pm CT (Fort Worth, TX)

My husbands credit score is around 480 and mine is 560. We are looking to buying our first home. Any suggestion as to what programs can help us. thanks

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Consult w/ a mortgage broker to determine a plan of action. You will need to work w/ a credit exper...

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Asked 02/18/2009 12:06 am CT (Chattanooga, TN)

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.

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p.s. - Pay down credit card balances and dispute erroneous negative items on your report. Try http:...

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Asked 02/18/2009 12:00 am CT (Chattanooga, TN)

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.

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Asked 02/10/2009 01:39 pm CT (Montgomery, AL)

HELP!!! My husband and I are trying to refinance for a lower payment, but we cannot find a lender to refinance. Our interest rate is a 20yr fixed @ 9.25% and we owe @105k. My credit score is 715, but my husbands is 566. My debt to income ratio is too high to refinanace by myself. What should we do?????

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p.s. - If you'd like someone else to handle credit report disputes, try http://www.lexingtonfs.com/ ...

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Asked 02/04/2009 01:18 pm CT (Scottsdale, AZ)

I am in process of refinancing my 10-yr adj @ 6% (6yrs left) because my equity has dropped significantly but I still have more than 20% equity. My new rate will be 5.75% although I'm trying to get 5.5% (it's a twin). I have credit score average of 800. I'm wondering if I should wait to see if I can get 4.5% on refinancing that they are talking about with the stimulous money. I am not someone who would be defaulting -- just trying to ge into a 30-yr fixed. I'm concerned that if I refinance in 2009, I would not be able to apply for this if i becomes available to me. Any ideas? Thanks, Kip

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I'm not sure what your loan amt is but if it's below $417k, market rate should already be below 5% a...

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Asked 01/30/2009 10:53 am CT (Florence, KY)

I am a homemaker with a credit score of 566 my husband has been on the job for 6 month, his credit score is 540 we have $3,000 to put down on a manufactured home ranging for 30,000 to 40,000 can we get fininaced?

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Not likely. Work on your credit scores by paying down credit card balances and disputing incorrect ...

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Asked 01/29/2009 06:55 am CT (New York, NY)

I have a credit score of 480 and my husband is 490, I want to be able to get approved for a mortgage for at least 335k. My husband makes 55k and I make 45k. I understand my credit score is crappy but there has to be someone out there to help me get a home.

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Not really. No conventional lender that I know of will offer a loan w/ those scores. The only opti...

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Asked 01/27/2009 12:16 pm CT (New York, NY)

I am a first time buyer. I am looking to buy a coop. I have a 570 credit score, but the same steady job for 8 years. No judgments, bankruptcy, etc.. I've been paying all my bills on time for the past year. Will I be able to get a mortgage?

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p.s. - FHA loans are typically easier to qualify for...

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