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Have the income, bad credit, can't refi, whats a good loan

Profile picture for pddd
divorce 2007 left short sale, moved into rental and that was forclosed on in 2010. new marriage, wife's credit good but maxed, my credit bad with very little debt. want to refi house, but they won't use my income cause of credit. Is there some kind of loan out there for us? yearly income wife 108k,myself $135k
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February 08 - Horsham
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Answers (3)

Profile picture for Stan bril
There are some lenders (including us) that will work with you as long as your credit is over 580. Also there are programs that allow for higher Debt to Income (DTI's) if you want to try solely with your wife again. Please feel free to reach out to me if you have any other questions. Good luck.
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February 16
Profile picture for TheMortgageMark

Look for a local lender that you take a look at your situation.  They should be able to let you know what is needed to do to qualify. 

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February 08
Profile picture for Rita Walker
Wow! That is an awful lot of income to have bad credit.

You most likely will need to sit down with a good lender and figure out a game plan to get your credit back in order.
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February 08
 

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Profile picture for Stan Bril
QuestionHave the income, bad credit, can't refi, whats a good loan
  • Latest answer by Stan Bril
  • February 16
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