Zillow Advice RSS: Discussion,Mortgage,MS http://www.zillow.com/advice/MS/mortgage/discussion/ Zillow Advice search results | Zillow Real Estate home loan with high income and low credit score http://www.zillow.com/advice-thread/home-loan-with-high-income-and-low-credit-score/280874/ I make $132k per year (before taxes). My only debt is a car <a href="http://www.zillow.com/mortgage/">loan</a> ($350 per month) and student <a href="http://www.zillow.com/mortgage/">loans</a> ($700/month).&nbsp; My credit scores are 582 (equifax), 610 (transunion), and 644 (experian).&nbsp; I want to <a href="http://www.zillow.com/learnmore/what-zillow-offers-buyers.htm">buy a home</a> but cannot get approved.&nbsp; I have many medical bills that went to collection a few years ago before I had this income, but have paid them all off.&nbsp; Is my only option to get my middle score above 620?&nbsp; I don't see how this would help, considering different companies use different scores.<br \><br \>14 replies Mon, 21 Sep 2009 17:58:00 GMT http://www.zillow.com/advice-thread/home-loan-with-high-income-and-low-credit-score/280874/ 2009-09-21T17:58:00Z Conventional Loan for Mobile Home in Mississippi http://www.zillow.com/advice-thread/Conventional-Loan-for-Mobile-Home-in-Mississippi/509478/ I am trying to buy a foreclosed mobile home and the seller will only accept conventional financing the home is already set up on land any ideals where i could find the conventional financing needed ?<br \><br \>0 replies Sat, 31 Aug 2013 22:55:00 GMT http://www.zillow.com/advice-thread/Conventional-Loan-for-Mobile-Home-in-Mississippi/509478/ 2013-08-31T22:55:00Z my crdit scoreis low be I won my own busines painting fence and barn for horse farms in Lexington, http://www.zillow.com/advice-thread/my-crdit-scoreis-low-be-I-won-my-own-busines-painting-fence-and-barn-for-horse-farms-in-Lexington/478378/ my credit &nbsp;score is low 520 i now own my own painting company in Lexington,ky &nbsp;painting &nbsp;fence and barns on horse farm. &nbsp;where can I get a loan?<br \><br \>1 reply Tue, 12 Feb 2013 22:24:00 GMT http://www.zillow.com/advice-thread/my-crdit-scoreis-low-be-I-won-my-own-busines-painting-fence-and-barn-for-horse-farms-in-Lexington/478378/ 2013-02-12T22:24:00Z Another FHA Streamline Refinance Question http://www.zillow.com/advice-thread/Another-FHA-Streamline-Refinance-Question/471993/ Good Evening,<br/>I have a FHA backed loan originated in November 2008 , $123,071.00 @ 6.25%. I was contacted by my bank regarding a streamline refinance ( major banking service). My original appraisal of my home in 2008 was $135,000.00 &nbsp;I have made all payments on time. My credit score is considered high &gt;720 by all major reporting agencies.<br/>When speaking with the banking representative I informed them that my biggest hesitancy involved closing cost. I believe in having a savings account for emergency household needs.<br/>My request is just some general advice from those who crunch numbers regularly. Do you see the benefit? Any advice when sitting at the table with the banker/lender. Any advice and/or guidance will be accepted with a full and grateful heart. &nbsp;<br \><br \>2 replies Sat, 22 Dec 2012 23:18:00 GMT http://www.zillow.com/advice-thread/Another-FHA-Streamline-Refinance-Question/471993/ 2012-12-22T23:18:00Z Mississippi Harp 2.0 Lenders? I am looking to refinance. http://www.zillow.com/advice-thread/Mississippi-Harp-2-0-Lenders-I-am-looking-to-refinance/445947/ I am looking to refinance my current mortgage. I am wanting to use the Harp Program but no local bank will do this for me. I am looking for respectable company that will help me with this loan. I do have PMI but its Borrowers paid. Please help.<br \><br \>1 reply Thu, 07 Jun 2012 14:57:00 GMT http://www.zillow.com/advice-thread/Mississippi-Harp-2-0-Lenders-I-am-looking-to-refinance/445947/ 2012-06-07T14:57:00Z Current Lender not licensed to do "NEW" financing in my state. Cant do the HARP program http://www.zillow.com/advice-thread/Current-Lender-not-licensed-to-do-NEW-financing-in-my-state-Cant-do-the-HARP-program/439387/ I currently have my mortgage with Greentree Lending Service. It was sold to them in December 2011 by Bank of America. I called Greentree the other day to ask about refinancing using the HARP 2.0 Program. They asked me a series of questions and determined that I was eligible to use the program. But there was a problem. They are not licensed in the state of MS to do new financing. I ask them what my options are. They stated that i could use another lender to do the HARP program. I have called 6 lenders and none of them are able to do the HARP program because of the PMI. They say the PMI certificate wont transfer to the new loan. Any suggestions would really help me.<br/>Thanks Greg<br \><br \>2 replies Tue, 17 Apr 2012 20:14:00 GMT http://www.zillow.com/advice-thread/Current-Lender-not-licensed-to-do-NEW-financing-in-my-state-Cant-do-the-HARP-program/439387/ 2012-04-17T20:14:00Z Can anyone please tell me what closing costs are typically paid for by the seller? http://www.zillow.com/advice-thread/Can-anyone-please-tell-me-what-closing-costs-are-typically-paid-for-by-the-seller/434819/ 4 replies Mon, 12 Mar 2012 00:06:00 GMT http://www.zillow.com/advice-thread/Can-anyone-please-tell-me-what-closing-costs-are-typically-paid-for-by-the-seller/434819/ 2012-03-12T00:06:00Z Good credit, but bad scar on report, how to answer lenders inquiry? http://www.zillow.com/advice-thread/Good-credit-but-bad-scar-on-report-how-to-answer-lenders-inquiry/415568/ <p>My wife and I have always had excellent credit.&nbsp; we have a 15 year mortgage.&nbsp; now that she is a stay at home mom, its tough on one income.&nbsp; we would like to refinance to 30 years and take advantage of the lower rates.&nbsp;However we got in a situation after katrina with a house at an inflated price that we later could not sell after the market settled.&nbsp; we worked with our lender to short sell it, but at the time did not make the payments for about 5 months.&nbsp; eventually the bank took ownership of the property.&nbsp; what is reported on our credit report is neither a foreclosure or a short sale.&nbsp; it just shows 5 months of no payment.&nbsp; And our credit still is decent (720 and 740).&nbsp; But the couple times I tried to refinance, once asked about those missing payments, I explain the situation to the lender and they decide to not help me.&nbsp; So, what is the appropriate response to thier inquiry?&nbsp; I really want to refi and lower our notes.</p><br \><br \>1 reply Wed, 14 Sep 2011 15:27:00 GMT http://www.zillow.com/advice-thread/Good-credit-but-bad-scar-on-report-how-to-answer-lenders-inquiry/415568/ 2011-09-14T15:27:00Z where can i apply for a fha loan and can you be a felon and still get a loan http://www.zillow.com/advice-thread/where-can-i-apply-for-a-fha-loan-and-can-you-be-a-felon-and-still-get-a-loan/398565/ 3 replies Wed, 11 May 2011 19:50:00 GMT http://www.zillow.com/advice-thread/where-can-i-apply-for-a-fha-loan-and-can-you-be-a-felon-and-still-get-a-loan/398565/ 2011-05-11T19:50:00Z is the a workshop out that help you straight out your credit and the sametime help you buy a home to http://www.zillow.com/advice-thread/is-the-a-workshop-out-that-help-you-straight-out-your-credit-and-the-sametime-help-you-buy-a-home-to/359868/ is there any kind of program that help you with your credit in help you get a home at the sametime<br \><br \>4 replies Wed, 28 Jul 2010 16:55:00 GMT http://www.zillow.com/advice-thread/is-the-a-workshop-out-that-help-you-straight-out-your-credit-and-the-sametime-help-you-buy-a-home-to/359868/ 2010-07-28T16:55:00Z Can we buy this $400K home? http://www.zillow.com/advice-thread/Can-we-buy-this-400K-home/281050/ My wife has no credit, good or bad, because she moved here just 2 years ago. For 2009 she'll make $60K on 1099 income as a hairstylist. I'm self employed, with $75K before, $50K after deductions. My middle credit score is 670. We have about $40K to put down. Can we qualify for the $400 dreamhome we found?<br \><br \>8 replies Tue, 22 Sep 2009 01:41:00 GMT http://www.zillow.com/advice-thread/Can-we-buy-this-400K-home/281050/ 2009-09-22T01:41:00Z