Zillow Advice: Mortgage - Looking for help http://www.zillow.com/advice-thread/Looking-for-help/511796/ Zillow Advice | Zillow Real Estate Hi there, I am sorry about ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ Hi there, I am sorry about your situation but you should specify your state because only lenders in your state will be able to help you. Also, you should figure out what your coborrower's credit score is because that will be important. Was you coborrower a nurse before her new job? If so lenders will be able to look over the fact that she switched jobs.<br/><br/>Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me.<br/><br/>Good Luck!&nbsp; Wed, 18 Sep 2013 20:57:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T20:57:00Z Most programs don't allow ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ Most programs don't allow for non-occupying coborrowers any longer. Wed, 18 Sep 2013 16:13:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T16:13:00Z What state? http://www.zillow.com/advice-thread/Looking-for-help/511796/ What state? Wed, 18 Sep 2013 14:18:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T14:18:00Z Consigning for people cause ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ Consigning for people cause real problems. I'd honestly never do it. There is a reason why it was declined. Just work on it for 12 months and work on it again. It's better than getting in above your head and than hurting someone else's credit on top of it. Wed, 18 Sep 2013 02:53:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T02:53:00Z no i have my husband for ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ no i have my husband for income. he cannot be on the loan because his credit score is not that good. Wed, 18 Sep 2013 02:43:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T02:43:00Z "I&nbsp;am looking for someone ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ <strong><em>"I&nbsp;am looking for someone honest and upfront&nbsp;with me."<br/></em></strong><br/>You're not ready to take on a $200K mortgage. That's what someone who is "<em>honest and upfront</em>" should be saying.<br/><br/>At current rates, you're looking at about $1,050/month in principal and interest, before taxes and insurance are added. Based on your stated $29K income, you only bring home about $2,400/month...before taxes.<br/><br/>Your&nbsp;front-end debt ratio is running around 43%, and that is high. Even if you manage to pull this off, you will be house-poor and one hiccup away from ruining two people's financial world...yours and&nbsp;the co-signer's.<br/><br/><strong><em>"Need some one who is willing to work with&nbsp;me and get me financed not to ignore me."<br/></em></strong><br/>Just because a lender says "no" doesn't mean they're ignoring you or giving you the run-around. Truthfully, I think they're doing you a favor by saying "no" at this time.<br/><br/><strong><em>"Need help. Need someone who is dedicated and willing to get the&nbsp;loan no matter what it takes."<br/></em></strong><br/>That's an interesting statement..."<em>no matter what it takes</em>". At some point in time, the level-of-effort needed to get around little things like not being able to qualify for the loan should be a warning sign to you that you are crawling way out on a financial limb...and looking to drag others along with you. Wed, 18 Sep 2013 02:29:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T02:29:00Z If the mortgage company pulled ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ If the mortgage company pulled her credit they legally have to mail her the credit scores pulled 72 hours after pulled. What kind of debt does she have? You are going to have to use a big chunk of her income to qualify for this loan. Wed, 18 Sep 2013 02:10:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T02:10:00Z need loan for about 190 to ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ need loan for about 190 to 200. my credit score is 640 and my k income is 29,000 my new co signer she does not know her score for sure but her income is about 85,000 but she has only been at this new job for about 3 months. she is a nurse and changed jobs. Wed, 18 Sep 2013 02:01:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T02:01:00Z What state? What's the ... http://www.zillow.com/advice-thread/Looking-for-help/511796/ What state? What's the scenario? Wed, 18 Sep 2013 01:43:00 GMT http://www.zillow.com/advice-thread/Looking-for-help/511796/ 2013-09-18T01:43:00Z