Profile picture for Augustus Bukowski

Augustus Bukowski's Advice

Contributions are sorted newest to oldest.

  • 436 Contributions
  • 6 Best Answers
  • 53 Helpful

Augustus Bukowski wrote:

Mortgage with one person good credit one person bad credit

Answer
If you have any credit cards in your name that you have had for a long time with high limits and low balances, add your husband as an authorized user. he will get the good credit history from them and it will help raise his score. 
5 days ago
(1)

Can cancelled loan application hurt your credit?

Answer
a cancelled application will not negativity hurt your credit. the only aspect tat will affect your score at all is the credit pull during the application process.
6 days ago
(0)

Shopping around for mortgage lender/ do i need to bring my co borrower with me

Answer
You shouldn't need your co-borrower at all. You will just need their information to give to the lender. Many lenders can get you pre-approved over the phone and there is no need to leave your house. Zillow is a great tool to find local lenders that have good reviews from past clients. Good luck on your search
June 20
(0)

Transfer of pre-approval or commitment letter.

Answer
If you haven't received a pre-approval letter in two months, someone dropped the ball. The LO either has either forgotten about you or avoiding you for some reason. You should probably look elsewhere to get your new pre-approval. A pre-approval would only take a couple of days at most to obtain from a good lender. Use Zillow as a tool to find a good local lender in your area to help you out. Good luck.
June 20
(0)

can i afford it

Answer
Affordability is the key to success in real estate. If you plan for what you can afford over what you qualify for you are truly working with a great lender. We stress affordability, budget and financial planning as an essential must have during the home buying process. It is not every day you are spending 300 K so you should get way more information than you would when picking out a computer, but it seems like not many consumers are really getting all the info.We recommend you work with a great local lender to review all your options prior to buying a house. You can find a great local representative by looking on websites like Zillow and others. Once you find someone you feel comfortable with reach out and I am sure they will help you.Good luck
June 18
(0)

Detailed question regarding prequal/mortgage

Answer
It sounds like you ran into a lender that not only doesn't fully understand their job, but is lacking in the customer service department as well.  You should contact a local, reputable lender to discuss your situatuion with. A good lender will not only give you and answer, but they will explain why. Zillow is a great tool to find a good lender, just look in your area and read reviews on different profiles. Good luck.
June 12
(0)

with a 650 credit score where can i find a va lender that will give me a home loan.

Answer
You should be able to get a VA loan no problem from any lender you contact. Use Zillow and find a local lender to discuss your options with. Good luck
June 10
(0)

Help! USDA loan, need lender, meet all criteria

Answer
I work in the Seattle area and would love to look into your situation for you and see what can be done. Feel free to look at my profile and my reviews and reach out if you would like. 
June 06
(0)

Mortgage with bad credit but big down payment?

Answer
What you need to do before seriously trying to get a loan is some credit repair. You can get a loan now but it would not be a good loan and would have a terrible interest rate, resulting in a large monthly payment. A rapid re score is not going to raise your score enough to get a good conventional loan. You should contact a reputable local lender and have them put you in contact a with a credit repair specialist that can help you bring your score up to the needed level
June 03
(0)

Stated Income

Answer
You will want to contact a local, reputable lender to give you a quote on rate. Any quote on here without all of the details wold just be a vague ballpark figure, better to get an actual quote. Good luck
June 03
(0)