NeedinFHA's Advice

They pulled mine once.  It was a 640, by the time it closed it was a 520 but they never repulled it.

What sort of force, was there a Assault rifle involved if so I this could go all the way to Obama he seems to care about that more than the economy.

FHA is pretty easy.  If you can show they are in deferred for at least a year then they will not be counted against you.  Also your credit score will matter, anything under a 640 I wouldn't even bother your rates will be horrendous and you'll be paying for it for a long time.

Ohhhhhhhhhhhh I give up.....Ok for all you who think it is not possible.  This was my situation in 2010, I have paid off 71,000 in student loans, my CC's are at 0, my house loan is at 100,000 and I paid off my car.  So basically I owe 41,000 on my student loans and owe 100,000 on my house and my credit score is 725.  Anybody care to comment or beat me now?  Yea on paper I am the worst possible person to lend money to but reality is I am a genius at paying stuff off.  Thanks and have a good one.

I love the people that say yes....My answer is MAYBE...First off if you have 2 CC's open your good to go.   If both balances are below 10% your good to go.  If you transfer these balances to 1 single card and it puts you over 10% then you are NOT good to go and your credit will go down.  Also don't close out those accounts unless they are under 1 year old, because they are establishing credit history and are good for you.

I was wondering with a $112,000 in student loans, my CC's are maxxed at 4k, I have about $1100 in the banks and a 648 credit score could I possibly get a loan.  I had a bankrupcy but that was 8.5 years ago and I have been paying most my bills on time.  The student loans I put in forberance only cost me 4k in interest for the year so it shows that I don't owe on them for a year.  I make roughly 46,000 a year.  Thanks!

I wanted a VA Loan, but I had a 60% Debt to Income Ratio, 112,000 in student loans, maxxed out CCs, and virtually no money in my bank account.  I was forced to get a FHA but it is ok I got a nice home, and then my credit dropped the month after they ran it to a 520 lol, now thats Winning!

You need to look at why your credit is so bad and work on that....Nobody wants a loan for 30 years with a higher interest rate if you could have waited 1 year and saved yourself thousands...Also no one will touch you without a MINIMUM 620, 640 preferred :)

Screw Wells Fargo home loans.  I applied for a home loan through them and then after I closed on my house they contacted me lol....I told them I already got a loan and was currently living in my new home thanks for getting back to me.  Then about a year later my loan was sold them without choice lol, so now they have the loan they didn't ask for, AMAZING huh.

It's funny you make all that money and still filed for bankrupcy.  Thats the question I'd be asking.