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Answers (12)
- wetdawgs
- Contributions:26854
Goodinhouse:
We can't speculate on your friend/acquaintance. (Life ain't fair.) We can only offer clues for your personal situation.
What is your credit score?
If you can't get a credit card, do you know why you were denied?
If you have old negatives on your record, what are you doing to pay them off so they appear as "paid in full" on the record?
What size down payment have you accumulated.
We can't speculate on your friend/acquaintance. (Life ain't fair.) We can only offer clues for your personal situation.
What is your credit score?
If you can't get a credit card, do you know why you were denied?
If you have old negatives on your record, what are you doing to pay them off so they appear as "paid in full" on the record?
What size down payment have you accumulated.
- goodinhouse123
- Contributions:51
If you have car repo's and a foreclosure on your credit report.. then tell me how someone can get a home mortgage? i mean 140,000 mortgage? this is a friend of ours and they wont tell us who they got financing threw... we dont have any foreclosures, nothing like that.. and we only have very old debt from years ago.. and we cant get anything??
- Jason Bonas, "Jason Bonas"
- Contributions:214
Lol, they asked about the problem back in june.
But, in regards to the Daveramsey stuff, I totally agree... (then again, I am a facilitator for his program in my local area)
;)
but, his raido show is not as good as his seminars
- David Dratwa, "DDratwa"
- Contributions:22
Best advice I can ever give on subjects regarding personal finance is to go to the Dave Ramsey website, daveramsey.com
Lots of resources there, but the best thing is to listen to his radio show....you can listen to archives of the shows anythime you want....won't cost a thing.
Lots of resources there, but the best thing is to listen to his radio show....you can listen to archives of the shows anythime you want....won't cost a thing.
- ohiogirl871
- Contributions:5
they bought about year ago.. and get this.. it was already up for sheriff's sale.. but they sa ved it.. about every sixmonths this happens, and they end up saving it...
- ohiogirl871
- Contributions:5
Well.. i have been working on our credit for over a year now, and i have gotten alot off of our reports.. We had identy fraud and i had to go and clean all of that up.. I have a few more to do .. but now we still cant get a home loan.. cant even get anyone to accept us for a credit card.. We do have a auto loan but it is not making our scores go up.. Its from a buy here pay here company and they are r eally nasty and no reporting our payments right.. tell me what more can we do?
- Gene Mundt, "profmortgagebanker"
- Contributions:74
goodinhouse123: I am sorry that you are not able to get the help or information you need. Maybe I can make a couple of suggestions that will help you in the short term.
Right now for lenders, there are many bits and pieces of information that need to be taken into consideration. Without that information, it is virtually impossible to give advice or offer a quote on a mortgage. The present challenging finance market has dictated this. Without more information regarding your personal housing desires and credit history, it's hard to answer your question.
If you would wish to give more detailed information through Zillow ... or write with that information ... I would be happy to answer your questions and research if any help is available for you regarding a mortgage or credit. Suggestions can also be offered for credit improvement and repair.
Please write with that information ... and then we'll move forward.
Thank you.
Right now for lenders, there are many bits and pieces of information that need to be taken into consideration. Without that information, it is virtually impossible to give advice or offer a quote on a mortgage. The present challenging finance market has dictated this. Without more information regarding your personal housing desires and credit history, it's hard to answer your question.
If you would wish to give more detailed information through Zillow ... or write with that information ... I would be happy to answer your questions and research if any help is available for you regarding a mortgage or credit. Suggestions can also be offered for credit improvement and repair.
Please write with that information ... and then we'll move forward.
Thank you.
- ohiogirl871
- Contributions:5
well.. if u have a foreclosure on a house, and car repo's.. dont u think their credit is bad?
- wetdawgs
- Contributions:26854
Normal hardworking people can have very respectable credit scores therefore can get mortgages. If your credit score is not sufficient to be considered, understand why and work to change the situation. A credit score is not a reflection of income, it is a reflection of use (and abuse) of debt and history there of. When you raise your score, it will be much easier to get a loan.
- ohiogirl87
- Contributions:3
yes.. their c redit is worse.. and i we cant get financed for ANYTHING normal hard working people dont get anything..
- Lynda Mckenzie, "Lynda Mckenzie"
- Contributions:161
I would suggest posting a scenario on zillow and have one of the local lenders respond to you.
Good luck.
Good luck.
- Andrew Adams, "203K Specialist"
- Contributions:9349
When did they buy?
How do you know their credit is worse?
Do you know credit is the reason you can;t buy?
How do you know their credit is worse?
Do you know credit is the reason you can;t buy?
why wont anyone help us get a first time home purchase mortgage?
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