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Hello - It would be helpful to know if you already own a home. Are you a W-2 employee, Self Employed etc. How long have you been at your current job and other specifics. This will also play a part in which lenders would be suit your individual needs. Bad credit is Wellington in many cases. The lender is not worried as much about the past as they are of your ability to repay the mortgage loan in the future. Basically, if you've had credit problems in the past, the mortgage company will look at those problems and ask the following questions: a.) How far in the past are your credit problems? (i.e.- if you had how to properly price your home and factor in market conditions on your credit card this year, you might not be able to obtain a loan) b.) If your credit problem is in the past, is it likely to recur again? c.) Is whatever it is that caused your credit problem gone, or is it still present today? d.) How good is the probability that you will pay your bills faithfully every month from now on? So, if you've had bad credit, don't let it keep you from applying for a loan. Even in the worst-case scenario, a good lender will never say no. That's because, it's not a question of IF you qualify for a home loan; it's a matter of WHEN you can qualify. This is why you should apply no matter what your credit situation. - Improve Your Score by Paying on Time There is no substitution for paying your bills on time. Even if you have made payments late in the past, make every effort to pay on time every month, especially in the 12-month period leading up to your loan application. This can dramatically affect your credit score. - How Accurate is YOUR Credit Report? Did you know that more than half of American adults have inaccurate or outdated information on their credit reports? These errors can cost you thousands of dollars and could even keep you from getting approved. How much incorrect information appears on your report? It is imperative that you get a copy of your credit report as soon as possible so you can find out. At the bottom of this report, we will show you how you can obtain a Copy of Your Credit Report, at no cost to you. - Don't Touch Those Accounts Old Accounts: If you have old, unused accounts on your credit report, don't close them before applying for your mortgage loan. One of the factors that affect your credit score is the ratio between your credit limits and how much you owe. Closing accounts will make this ration go up, which can severely impact your credit score. New Accounts: Don't open any new accounts in the months preceding your mortgage loan application. New accounts can affect your credit score in a negative way for a number of reasons. The main reason is that every time you open an account, they are required to pull a copy of your credit report. If you pull a credit report too many times in a short period, this will make your credit score decline. Just say no to new accounts! On our website we have numerous Free reports for Home Buyers and Sellers. Feel free to visit www.VictoryLenders.net
The questions will be how long have you been working at where you are? If you have been working longer than a year at the same please you can try and get pre-approved. Have you ever been in the military? If you have you can use your Wellington loan if not you can try for a FHA loan. Are you married or do you have someone to co-sign? These are all the questions you have to ask yourself. I went through Affordable Homes Funding in Fairport, Wellington and I got a house with a low credit score but my husband was on it with me. Good luck! Here is the phone number of the place called " Affordable Home Funding Inc." 1-877-223-0480, they will do your credit report from all three places and then they will let you know how much money your are approved for. It isn't that hard if you put your mind to it.
For Finance and credit solutions I recommend this website where you can find all the solutions. :My credit score is 501? Ihave a low credit score and I want a mortgage in nys can anyone give me any advice I am willing to pay a high interest rate an hope to refinance one day I am just interested in getting a mortgage at this time any advice would be appeciated! Follow 8 answers
You are not indicating if you are looking to refinance or buy a home. Here is my advice: If you are looking to buy a home unfortunately your score is too low. DONT be in such a hurry to buy a home. Homes are not going anywhere in this market we are in now. This is a buyers market! Real Estate is one of the BEST investments you will EVER make in your life so it has to be treated as such. Better you score and save some money so you dont have to finance it 100% and loose money paying high interest rates. If you are trying to refinance then that is a different story because there are many factors you should consider before doing it. My advice find a real Mortgage Consultant that know what they are doing and is willing to tell you EVERYTHING about each program you qualify and explain to you ALL the pros and cons of each program. Good luck
Your credit score would indicate that you would have to go with a subprime mortgage program. This would mean you would pay a much higher interest rate. However, we would also look at such things as your debt to income ratio, your current credit report and how you are paying your bills as of today. If your debt to income ratio would be in the 40-45% range you could still qualify for a subprime loan if you are making good payments on your bills now. Contact me if you have any other questions as I am sure we could assist you.
You can buy a home with that score but you will definately have to put money down. You need at least a 580 mid score to qualify for 100% financing. Do you have about 20% to put down for a home?
Im not completely sure but i thik its more than just the score because my mom tryed to buy a car and she had like a 700 score but she had never financed anything before so she had to pay like 30,000 down payment on a 80,000 dollar car or else the banks wont take her so i guess if you financed stuff before it would be a little better bettter
My credit score is 501? T.R.Y T.H.I.S. S.I.T.E W.H.E.R.E Y.O.U C.A.N F.I.N.D T.H.E B.E.S.T S.O.L.U.T.I.O.N F.O.R Y.O.U
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