Zillow Advice RSS: Question-Discussion-Guide,FHA and VA Loans,AR http://www.zillow.com/advice/AR/mortgage-fha-and-va-loans/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Can i get a va hone loan with credit score under 600 http://www.zillow.com/advice-thread/Can-i-get-a-va-hone-loan-with-credit-score-under-600/547217/ I have no job right now but start a new one soon. I get va disability and child support my credit isn't get due to dumb descions divorce. I really want to buy a home one under 80000 can I get a loan I could get a Co signer if needed<br \><br \>7 replies Wed, 25 Jun 2014 21:21:00 GMT http://www.zillow.com/advice-thread/Can-i-get-a-va-hone-loan-with-credit-score-under-600/547217/ 2014-06-25T21:21:00Z Can i get a va hone loan with credit score under 600 http://www.zillow.com/advice-thread/Can-i-get-a-va-hone-loan-with-credit-score-under-600/547217/ I have no job right now but start a new one soon. I get va disability and child support my credit isn't get due to dumb descions divorce. I really want to buy a home one under 80000 can I get a loan I could get a Co signer if needed<br \><br \>7 replies Wed, 25 Jun 2014 21:21:00 GMT http://www.zillow.com/advice-thread/Can-i-get-a-va-hone-loan-with-credit-score-under-600/547217/ 2014-06-25T21:21:00Z can i use a va loan on a company like united built homes? http://www.zillow.com/advice-thread/can-i-use-a-va-loan-on-a-company-like-united-built-homes/562369/ 5 replies Fri, 10 Oct 2014 05:48:00 GMT http://www.zillow.com/advice-thread/can-i-use-a-va-loan-on-a-company-like-united-built-homes/562369/ 2014-10-10T05:48:00Z Looking for options for a lender that can do an FHA loan in Arkansas with rocky credit history. http://www.zillow.com/advice-thread/Looking-for-options-for-a-lender-that-can-do-an-FHA-loan-in-Arkansas-with-rocky-credit-history/549981/ Ok, well, here is the story.&nbsp; I will try to provide as much detail as I can.&nbsp; As of today, my credit scores are EX-651, EQ-625, TU-625<br/><br/>I currently make gross $75,000 to $80,000 a year.&nbsp; I have had perfect credit history for the past 3 years.&nbsp; Looking for an FHA loan for about $150,000 with 3.5 - 5% down.<br/><br/>Credit history:<br/><br/>June 2005 filed for chapter 13 bankruptcy to try to get out from under massive debt that taking care of my terminally ill father until he passed. Shortly after however, I was able to structure my own payment plans and had the chapter 13 voluntarily dismissed.&nbsp; <br/><br/>Had a state sales tax lien filed on my dad's handicapped accessible van as it was under my name in the amount of just over $800. Paid and had it released.<br/><br/>Everything was great until 2010.&nbsp; I was laid off, my wife became disabled, and our daughter passed away.&nbsp; Was a very bad year, with no income from either of us.&nbsp; Had to live off our savings and make some tough credit choices.<br/><br/>Those included letting our Verizon cell phones go.&nbsp; This was in 2010, but they only assigned it to collections in December of 2013.&nbsp; This is the only collections account on the report, and it has now been paid.<br/><br/>Also during 2010, had 1 credit card go into default for $411 and it was charged off, I had 6 student loans go into default, but consolidated all of them the first of 2011 when I found employment.&nbsp; <br/><br/>And we had to voluntarily give back our house in early 2010 to downsize our expendatures.<br/><br/>Two utility bills were also charged off when we moved out of that house in early 2010, but have been paid.<br/><br/>All debts have been paid except for the one charged off credit card for $411..<br/><br/>Perfect credit history for the past 3 and a half years.<br/><br/>The only debt is the one $300 car payment and the $165 student loan payment.<br \><br \>4 replies Thu, 17 Jul 2014 04:07:00 GMT http://www.zillow.com/advice-thread/Looking-for-options-for-a-lender-that-can-do-an-FHA-loan-in-Arkansas-with-rocky-credit-history/549981/ 2014-07-17T04:07:00Z Rachelle Bowles http://www.zillow.com/advice-thread/Rachelle-Bowles/515605/ I have a va loan I have never used my credit score is 573 my husbands is over 600 do we qualify to get a va loan&nbsp;<br \><br \>3 replies Thu, 17 Oct 2013 02:49:00 GMT http://www.zillow.com/advice-thread/Rachelle-Bowles/515605/ 2013-10-17T02:49:00Z I have a 575 Credit score in arkansas and I'm looking for lenders, and i am a veteran, Help. http://www.zillow.com/advice-thread/I-have-a-575-Credit-score-in-arkansas-and-I%27m-looking-for-lenders-and-i-am-a-veteran-Help/501277/ 4 replies Wed, 10 Jul 2013 23:50:00 GMT http://www.zillow.com/advice-thread/I-have-a-575-Credit-score-in-arkansas-and-I%27m-looking-for-lenders-and-i-am-a-veteran-Help/501277/ 2013-07-10T23:50:00Z VA allowed lender fees. http://www.zillow.com/advice-thread/VA-allowed-lender-fees/493815/ I know lender may charge a 1% origination fee, and that is what my current lender is doing. I am also aware that they can charge, in addition to that 1% fee, an appraisal fee, a credit report fee, a title insurance fee, recording fee, stamps, taxes, and hazard insurance premium. Again, my lender is charging those things.<br/><br/>However, they are also charging for, and this is their wording as written, "Settlement/Closing fee" - $350.00, "Admin fee" - $291.75, and 2 months additional Hazard insurance on top of the 12 month premium.&nbsp;<br/><br/>According to the VA site, Settlement or Closing fees have to be absorbed by the lender in their 1% origination fee and cannot be "added". It also prohibits "processing, underwriting, or application fees". That sounds like the "Admin fee" &nbsp;I'm being charged.<br/><br/>How do I go about telling the Lender I can't be charged those items?<br/><br/><br \><br \>2 replies Sat, 25 May 2013 05:18:00 GMT http://www.zillow.com/advice-thread/VA-allowed-lender-fees/493815/ 2013-05-25T05:18:00Z IRRRL Arkansas http://www.zillow.com/advice-thread/IRRRL-Arkansas/489043/ Does anyone know of a lender that is not requiring Credit check or appraisal. Currently with WF. When I called &amp; asked they said they didn't need it and when I got GFE &amp; docs there was a charge for it. rate given was 3.125 for 15 year.&nbsp; Asked questions about this and not getting a response from them. I have made 100 payments straight. I would also like the closing set up so 2 payments are skipped. Thanks for any help.<br \><br \>3 replies Mon, 22 Apr 2013 20:11:00 GMT http://www.zillow.com/advice-thread/IRRRL-Arkansas/489043/ 2013-04-22T20:11:00Z Getting out of the military and want to buy a home. http://www.zillow.com/advice-thread/Getting-out-of-the-military-and-want-to-buy-a-home/457561/ My enlistment is up in 1.5 years and I want to buy a home (currently overseas). VA requires you to be in a home buy 60 days of closing. I dont know whats the best route to go.. Should I wait till I can use the VA but ill only have a steady pay check for 2 more months and will the banks reject that (but ill have 25000 on hand for a nest egg) or do a conventional&nbsp;mortgage&nbsp;and buy sooner? Can I still get a VA loan without income when getting out and not having a job right away? My score is at 710<br \><br \>2 replies Tue, 28 Aug 2012 04:04:00 GMT http://www.zillow.com/advice-thread/Getting-out-of-the-military-and-want-to-buy-a-home/457561/ 2012-08-28T04:04:00Z Can an FHA loan be used to build a home, or can it only be used on an exisiting structure? http://www.zillow.com/advice-thread/Can-an-FHA-loan-be-used-to-build-a-home-or-can-it-only-be-used-on-an-exisiting-structure/442316/ 3 replies Thu, 10 May 2012 18:55:00 GMT http://www.zillow.com/advice-thread/Can-an-FHA-loan-be-used-to-build-a-home-or-can-it-only-be-used-on-an-exisiting-structure/442316/ 2012-05-10T18:55:00Z Ihave a disabled child an Ihave a disabled roomate. http://www.zillow.com/advice-thread/Ihave-a-disabled-child-an-Ihave-a-disabled-roomate/429460/ were looking for at a house in baldknob thats 88,000 do I qualify for <a href="http://www.zillow.com/fha-loan/">fha</a> &nbsp;loan?All together the income is 1,396.<br/><br/><br \><br \>3 replies Sat, 21 Jan 2012 06:27:00 GMT http://www.zillow.com/advice-thread/Ihave-a-disabled-child-an-Ihave-a-disabled-roomate/429460/ 2012-01-21T06:27:00Z (Moved): I did not get any quotes on my loan request (ZR-NVXDVCZ). Can someone help me figure out why? http://www.zillow.com/advice-thread/Moved-I-did-not-get-any-quotes-on-my-loan-request-ZR-NVXDVCZ-Can-someone-help-me-figure-out-why/308257/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/I-did-not-get-any-quotes-on-my-loan-request-ZR-NVXDVCZ-Can-someone-help-me-figure-out-why/307924/">http://www.zillow.com/advice-thread/I-did-not-get-any-quotes-on-my-loan-request-ZR-NVXDVCZ-Can-someone-help-me-figure-out-why/307924/</a><br \><br \>0 replies Tue, 22 Dec 2009 00:20:00 GMT http://www.zillow.com/advice-thread/Moved-I-did-not-get-any-quotes-on-my-loan-request-ZR-NVXDVCZ-Can-someone-help-me-figure-out-why/308257/ 2009-12-22T00:20:00Z DO ANYBODY KNOW ABOUT NATION STAR MORGAGE/CHAMPION MORGAGE? ANY COMMENTS? http://www.zillow.com/advice-thread/DO-ANYBODY-KNOW-ABOUT-NATION-STAR-MORGAGE-CHAMPION-MORGAGE-ANY-COMMENTS/277718/ 2 replies Fri, 11 Sep 2009 15:33:00 GMT http://www.zillow.com/advice-thread/DO-ANYBODY-KNOW-ABOUT-NATION-STAR-MORGAGE-CHAMPION-MORGAGE-ANY-COMMENTS/277718/ 2009-09-11T15:33:00Z