Zillow Advice: Refinance - credit score is low between 567 and 619 need to refinance home to fixed rate is it possible http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ Zillow Advice | Zillow Real Estate Credit Rescue Now is not ... http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ Credit Rescue Now is not my company and I have no&nbsp; relationship with them other then they have helped a few of my clients. On my personal info I was trying everything I could to figure out&nbsp; web-site and&nbsp;how NOT to display my persoinal phone number. I even looked for a way to&nbsp;contact zillow and ask, but I could not figure out how to do that.&nbsp; Any help you can offer would be appreciated.<br/><br/> Tue, 12 May 2009 20:52:00 GMT http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ 2009-05-12T20:52:00Z I would suggest submitting ... http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ I would suggest submitting a quote request to Zillow, including a as much information as available, and being as accurate as possible. Tue, 12 May 2009 11:40:00 GMT http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ 2009-05-12T11:40:00Z Shelly,Welcome to ZMM as ... http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ Shelly,<br/>Welcome to ZMM as I see you just joined.&nbsp; When you did, did you read the part, not in fine print, about not including your phone number, asking for the OP to contact you etc?&nbsp; It was all part of the Code of Conduct that you checked that little itty bitty box that sad you agree to its terms etc.&nbsp; Do you remember it now?&nbsp; On Zillow, it is called, "Spamming," when a <a href="http://www.zillow.com/directory/lenders/">lender</a>, <a href="http://www.zillow.com/directory/real-estate-agents/">Realtor</a> self promotes and includes contact information.<br/>How you nestle down that hairdoo?&nbsp; Maybe somewhere inside of it the Code of Conduct is hiding out and you may read it?<br/>Thanks. Tue, 12 May 2009 04:08:00 GMT http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ 2009-05-12T04:08:00Z I didn't address your credit ... http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ I didn't address your credit issues.&nbsp; If you been paying your <a href="http://www.zillow.com/mortgage/">Mortgage</a> on time with no lates there is a local company who could probably bring up your credit score the amount your servicer requires.&nbsp;&nbsp;<br/>The company has been in Albuquerque for years.they just changed their name and went to Non-profit.&nbsp; They give free classes.&nbsp;The name of the company is&nbsp;:<br/><br/>Credit Rescue Now 505 899-1448&nbsp; Tue, 12 May 2009 00:32:00 GMT http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ 2009-05-12T00:32:00Z If you have a conventional ... http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ If you have a conventional <a href="http://www.zillow.com/mortgage/">loan</a> you should contact your orginal servicer and see if you qualify for a HAMP .Home Affordability Modification Program. &nbsp; You have to prove that you are in imminent danger of default and show why.&nbsp; Did you lose your job?&nbsp; It is possible that your servicer could Capitalize your loan by increasing it with the amount of the overdue payments.&nbsp;Lower your interest &nbsp;rate, then extend your term, then give you some principal forebearance, until you sell your house.<br/>It is all based on income and is figured out at .31 times your income. that amount should equal your PITIA principal, Interest, Taxes, Insurance and Association fees.<br/>I just joined Zillow and these programs just started this Spring<br/>Hope you are still in your home and you can use this information. Tue, 12 May 2009 00:04:00 GMT http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ 2009-05-12T00:04:00Z That will be a tough one.&nbsp; ... http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ That will be a tough one.&nbsp; the credit score alone is a big enough hurdle that may not be able to be overcome, add in a high LTV and It would be a long shot at best.&nbsp; I wish I had a better answer for you. Wed, 21 Jan 2009 16:07:00 GMT http://www.zillow.com/advice-thread/credit-score-is-low-between-567-and-619-need-to-refinance-home-to-fixed-rate-is-it-possible/190747/ 2009-01-21T16:07:00Z