Zillow Advice RSS: Question-Discussion-Guide,Credit Scores,MA http://www.zillow.com/advice/MA/mortgage-credit-scores/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate What can I do to get more (or better) quotes for my loan request ZR-KXPRNQH http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-KXPRNQH/400154/ I would recomend contacting a Mortgage broker, someone who works with mult. lenders. They have access to and are not limited to single source lenders. Our Co. has it own Mgt. Department. Beverly-hanks Mortgage services. Talk with Doug Bebber.<br \><br \>0 replies Tue, 24 May 2011 13:53:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-KXPRNQH/400154/ 2011-05-24T13:53:00Z 3 Year Mark after Short Sale http://www.zillow.com/advice-thread/3-Year-Mark-after-Short-Sale/453421/ For FHA financing a borrower in default on the mortgage at the time of the short sale are ineligible for FHA financing for at least 3 years from the date of the short sale.&nbsp; All will depend on the "AUS" system if it is giong to give you an approve/eligible.&nbsp; <br/><br/>The obvious is to get with someone and see if you get approved, if you don't see what needs to improve and what will get you to an eligible/approved status on the "AUS" system.<br/><br/>Hope that makes sense.&nbsp;<br \><br \>0 replies Tue, 31 Jul 2012 14:01:00 GMT http://www.zillow.com/advice-thread/3-Year-Mark-after-Short-Sale/453421/ 2012-07-31T14:01:00Z I did not get any quotes on my loan request (ZR-SNQRSWT). Can someone help me figure out why? http://www.zillow.com/advice-thread/I-did-not-get-any-quotes-on-my-loan-request-ZR-SNQRSWT-Can-someone-help-me-figure-out-why/327497/ I recently filed <a href="http://www.zillow.com/mortgage-glossary/Bankruptcy/">bankruptcy</a> but my <a href="http://www.zillow.com/mortgage/">mortgage</a> was not affected.&nbsp; Do you have any advise as to how I might obtain a refinance?&nbsp;<br \><br \>3 replies Tue, 23 Feb 2010 13:06:00 GMT http://www.zillow.com/advice-thread/I-did-not-get-any-quotes-on-my-loan-request-ZR-SNQRSWT-Can-someone-help-me-figure-out-why/327497/ 2010-02-23T13:06:00Z 622 http://www.zillow.com/advice-thread/622/404772/ Hello Nancyjrsr, my concern with answering your first question is that I don't feel there is a straight answer.&nbsp; The credit rating companies keep the specifics of their scoring system to themselves as a closely guarded secret.&nbsp; Most pros out there in this field can give you estimates and average times, but this is a moving target.&nbsp; Reducing your debt/income will also improve your financing picture to the mortgage companies.&nbsp; Dropping your "credit utilization" (the % of your credit line that is your outstanding balance) is what you are referring to, but do you mean you are dropping them to zero, or only 50%?<br/>Scores are a bit easier to answer for you in regards to helping with a mortgage.&nbsp; There are specific programs that allow lower scores than others, but if you are off by a point, you dont qualify.&nbsp; Get yourself a local mortgage broker to assist in finding any loan options for your credit scores.&nbsp; Just know that this is only 1 piece of the puzzle in getting you approved.&nbsp; You don't want to mess around with internet lenders in this challenging time for financing a home purchase.<br \><br \>0 replies Thu, 23 Jun 2011 22:32:00 GMT http://www.zillow.com/advice-thread/622/404772/ 2011-06-23T22:32:00Z rapid rescore http://www.zillow.com/advice-thread/rapid-rescore/405048/ Is it normal for a mortgage company to charge $200. for a rapid rescore?What is the process,I pay it and then do they tell me what I have to do to pull up my credit score and if so do I have to pay again to get the new score?<br \><br \>13 replies Sat, 25 Jun 2011 23:37:00 GMT http://www.zillow.com/advice-thread/rapid-rescore/405048/ 2011-06-25T23:37:00Z how do I go about clearing my credit http://www.zillow.com/advice-thread/how-do-I-go-about-clearing-my-credit/509250/ I have a[promotion deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]<br/>William Allen<br/>Mortgage Banker<br/>Proficio Mortgage Ventures, LLC<br/>[ deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]<br \><br \>0 replies Thu, 10 Oct 2013 22:39:00 GMT http://www.zillow.com/advice-thread/how-do-I-go-about-clearing-my-credit/509250/ 2013-10-10T22:39:00Z would I get approved for a mortgage loan if I have a rising credit score of 592? http://www.zillow.com/advice-thread/would-I-get-approved-for-a-mortgage-loan-if-I-have-a-rising-credit-score-of-592/517997/ My boyfriends score is a little better than mine.<br \><br \>11 replies Tue, 05 Nov 2013 16:22:00 GMT http://www.zillow.com/advice-thread/would-I-get-approved-for-a-mortgage-loan-if-I-have-a-rising-credit-score-of-592/517997/ 2013-11-05T16:22:00Z Recently filed bankruptcy, can I get mortgage with a qualified co-borrower? http://www.zillow.com/advice-thread/Recently-filed-bankruptcy-can-I-get-mortgage-with-a-qualified-co-borrower/221092/ I have a friend who wants to help us get into a house.&nbsp; He is full qualified for the <a href="http://www.zillow.com/mortgage/">mortgage</a> but only has 5-10% for a downpayment.&nbsp; He wants to buy the house but cannot because it is considered an investment property which requires 20% down.&nbsp; We want to buy the house in both our names, my family will be living there so for us it is our primary residence.&nbsp; Can I mortage with a co-borrower even though I just came out of <a href="http://www.zillow.com/mortgage-glossary/Bankruptcy/">bankruptcy</a> a month ago.<br \><br \>1 reply Wed, 08 Apr 2009 16:38:00 GMT http://www.zillow.com/advice-thread/Recently-filed-bankruptcy-can-I-get-mortgage-with-a-qualified-co-borrower/221092/ 2009-04-08T16:38:00Z What are my chances of getting a mortgage loan with a fico score of 594? http://www.zillow.com/advice-thread/What-are-my-chances-of-getting-a-mortgage-loan-with-a-fico-score-of-594/396209/ 22 replies Fri, 22 Apr 2011 23:14:00 GMT http://www.zillow.com/advice-thread/What-are-my-chances-of-getting-a-mortgage-loan-with-a-fico-score-of-594/396209/ 2011-04-22T23:14:00Z What can I do to get more (or better) quotes for my loan request ZR-DNPCQPQ http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-DNPCQPQ/460235/ Hi user,<br/><br/>Thanks for using Zillow Mortgage Marketplace to shop for mortgage quotes.&nbsp; The reason why you didn't get the results you expected is because your loan amount is too small.&nbsp; I would recommend reaching out to you local bank or credit union.&nbsp; <br/><br/>We appreciate your post. <br/><br/>Thanks,<br/>Candace <br/>Zillow Mortgage Support<br \><br \>0 replies Mon, 17 Sep 2012 21:43:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-DNPCQPQ/460235/ 2012-09-17T21:43:00Z Is VantageScore treated the same as a FICO score? http://www.zillow.com/advice-thread/Is-VantageScore-treated-the-same-as-a-FICO-score/416467/ I received a Vantage Score from Experian which seems to use a different set of criteria as a FICO score. Is Vantage Score used commonly by mortgage lenders? Also what range of Vantage Score would qualify a borrower for the best rates? What would a score of 870 Vantage Score roughly translate in terms of FICO score?<br \><br \>2 replies Wed, 21 Sep 2011 16:20:00 GMT http://www.zillow.com/advice-thread/Is-VantageScore-treated-the-same-as-a-FICO-score/416467/ 2011-09-21T16:20:00Z How can I get lenders to give me a mortgage with a 651 credit score? http://www.zillow.com/advice-thread/How-can-I-get-lenders-to-give-me-a-mortgage-with-a-651-credit-score/513670/ When my mortgage guy ran my credit he got a 651. &nbsp;When I run my own on free credit report it gives me a 685. &nbsp;I have a bank willing to give me a non FHA loan with the amount I need but only if my credit is at 660. &nbsp;Any other options for this? &nbsp;I have minimal debt paying 250 a month in student loans and 300 a month for a car payment. &nbsp;what are some good options in Mass?<br \><br \>14 replies Tue, 01 Oct 2013 15:05:00 GMT http://www.zillow.com/advice-thread/How-can-I-get-lenders-to-give-me-a-mortgage-with-a-651-credit-score/513670/ 2013-10-01T15:05:00Z