| Posts by Robert Enriquez |
| Posting date
| Subject |
Categories |
| Fri Oct 28 6:30:44 2011 |
i agree with John. If you are paying on an item .. |
Forum |
| Fri Oct 28 6:28:42 2011 |
Negative items show up on a credit report for up .. |
Forum |
| Fri Oct 28 6:27:05 2011 |
Rapid rescore will speed up the process to lower .. |
Forum |
| Fri Oct 28 6:24:02 2011 |
The joint holder will also need to be approved by .. |
Forum |
| Sat Jun 19 12:55:15 2010 |
bob.....you'll need to wait 3 years i believe for .. |
Forum |
| Mon Jun 14 7:10:12 2010 |
i dont believe any state can garnish SS UNLESS .. |
Forum |
| Mon Jun 14 7:08:25 2010 |
You may want to look into BK 7
Either way you .. |
Forum |
| Sat Jun 12 4:50:03 2010 |
credit score can drop 5-7 points if someone pulls .. |
Forum |
| Sat Jun 12 11:36:52 2010 |
the credit report supplement will indicate if it .. |
Forum |
| Sat Jun 12 11:32:13 2010 |
1. find out what the statute of limitations is in .. |
Forum |
| Sat Jun 12 11:29:04 2010 |
They can still add up interest and they do so cuz .. |
Forum |
| Sat Jun 12 11:26:15 2010 |
You should be okay with 1yr unemployment as long .. |
Forum |
| Sun Mar 28 2:37:02 2010 |
did you payoff old chargeoffs/collection accounts .. |
Forum |
| Fri Mar 26 9:29:29 2010 |
it is possible
make sure you negotiate that with .. |
Forum |
| Wed Mar 24 7:00:08 2010 |
hi are you speaking about tax credit or credit .. |
Forum |
| Wed Mar 24 6:35:16 2010 |
i would try citifinancial or vanderbilt mortgage .. |
Forum |
| Wed Mar 24 6:32:55 2010 |
will depend on
1. your debt to income .. |
Forum |
| Tue Mar 23 7:21:10 2010 |
your account was reaged like if the account was .. |
Forum |
| Mon Mar 22 5:53:39 2010 |
AU - automated underwriting
DU - Desktop .. |
Forum |
| Thu Mar 18 5:54:42 2010 |
1. check the statute of limitations. if it's .. |
Forum |
| Tue Mar 16 7:48:01 2010 |
shortsales will lower your score about 50-75 .. |
Forum |
| Mon Mar 15 11:19:36 2010 |
jweber - no. that is normal. Also, you'll .. |
Forum |
| Mon Mar 15 10:37:20 2010 |
jweber - the scores are calculated by what's on .. |
Forum |
| Sun Mar 14 8:34:35 2010 |
you will need to speak to a BK attorney
sorry to .. |
Forum |
| Sun Mar 14 8:33:09 2010 |
even negative history can be good history on a .. |
Forum |
| Sun Mar 14 8:30:41 2010 |
lenders look at scores AND how many tradelines .. |
Forum |
| Sun Mar 14 8:29:24 2010 |
regrett - that depends on your HOA. HOA's are .. |
Forum |
| Sat Mar 13 8:42:39 2010 |
What happened to the Equifax score
there's 3 .. |
Forum |
| Fri Mar 12 7:54:57 2010 |
devia - possibly it can but if it hasn't showed .. |
Forum |
| Thu Mar 11 9:40:06 2010 |
You will need to speak to the divorce attorney, .. |
Forum |
| Thu Mar 11 9:37:57 2010 |
born - i believe child support and .. |
Forum |
| Thu Mar 11 8:32:20 2010 |
It CAN hurt because lenders have been looking at .. |
Forum |
| Wed Mar 10 6:43:28 2010 |
When's the last time you did it
Last FEW times .. |
Forum |
| Wed Mar 10 3:03:07 2010 |
If your name was on the credit account, then .. |
Forum |
| Wed Mar 10 1:47:35 2010 |
Unfortunately, adding ppl as an authorized user .. |
Forum |
| Tue Mar 9 3:33:25 2010 |
It happens a lot. Sorry to hear this has happened .. |
Forum |
| Tue Mar 9 8:24:25 2010 |
I would try to get rid of it ASAP ...maybe even .. |
Forum |
| Tue Mar 9 8:22:46 2010 |
It doesnt remove the items
the credit items .. |
Forum |
| Mon Mar 8 3:04:46 2010 |
They first have to win a judgment against you in .. |
Forum |
| Mon Mar 8 11:13:52 2010 |
1. what is your score
2. make sure all the items .. |
Forum |
| Mon Mar 8 11:12:34 2010 |
Easier said than done.
I have had my own .. |
Forum |
| Sat Mar 6 6:02:11 2010 |
Larry check the state law to see if they can come .. |
Forum |
| Sat Mar 6 5:59:55 2010 |
All negative items stay up to 7yrs
With BK it .. |
Forum |
| Sat Mar 6 11:14:17 2010 |
Congratulations .. |
Forum |
| Sat Mar 6 11:13:25 2010 |
they post instantly
as soon as their is .. |
Forum |
| Wed Mar 3 2:46:05 2010 |
John - I didn't say if it was proper or .. |
Forum |
| Wed Mar 3 2:30:27 2010 |
NEVER had I saw a closed account come back on .. |
Forum |
| Wed Mar 3 2:21:13 2010 |
Consumer reporting agencies must correct or .. |
Forum |
| Wed Mar 3 2:18:04 2010 |
jveenstra it CLEARLY states this when you are .. |
Forum |
| Wed Mar 3 2:06:41 2010 |
"You can not get it removed unless the car .. |
Forum |
| Wed Mar 3 12:32:11 2010 |
"So do I understand this correctly, they .. |
Forum |
| Mon Mar 1 8:58:57 2010 |
Work directly with the credit bureau since they .. |
Forum |
| Mon Mar 1 8:57:39 2010 |
Jing - I would apply to rent IMMEDIATELY so you .. |
Forum |
| Mon Mar 1 8:55:28 2010 |
it depends on what you're planning to do
for .. |
Forum |
| Mon Mar 1 8:52:31 2010 |
it automatically drops off after the 7yrs from .. |
Forum |
| Sun Feb 28 12:38:23 2010 |
Yes but there are other factors like down payment .. |
Forum |
| Sun Feb 28 12:36:08 2010 |
It will depend on the state
Some states allow .. |
Forum |
| Sun Feb 28 12:32:47 2010 |
Always do things in writing!
If you speak to .. |
Forum |
| Sun Feb 28 12:29:53 2010 |
Another thing to look at is that creditors may .. |
Forum |
| Sun Feb 28 12:28:09 2010 |
Always use the credit scoring system that the .. |
Forum |
| Tue Feb 23 10:28:03 2010 |
not sure why you can't pull all 3....did you get .. |
Forum |
| Sat Feb 20 8:39:57 2010 |
They can put a lien on the home if the person is .. |
Forum |
| Thu Feb 18 10:24:08 2010 |
with FHA i believe it's now 3yrs you would have .. |
Forum |
| Thu Feb 18 10:22:21 2010 |
not saying you will but there's a high .. |
Forum |
| Wed Feb 17 2:02:26 2010 |
your agreement would be with the collection .. |
Forum |
| Wed Feb 17 1:55:48 2010 |
best way would be to negotiate a pay for .. |
Forum |
| Wed Feb 17 12:32:21 2010 |
you can also pay for deletion
remember...if .. |
Forum |
| Wed Feb 17 12:29:35 2010 |
your ins should cover it but you will need to .. |
Forum |
| Wed Feb 17 12:27:30 2010 |
clay - getting the 2nd account removed or updated .. |
Forum |
| Wed Feb 17 12:25:28 2010 |
1. when you personally guarantee something it's .. |
Forum |
| Wed Feb 17 12:22:17 2010 |
it will depend...if you can do a debt .. |
Forum |
| Mon Feb 15 8:36:40 2010 |
It all depends on the lender.
I would find .. |
Forum |
| Mon Feb 15 8:08:22 2010 |
Most government mortgage programs have great .. |
Forum |
| Mon Feb 15 8:06:37 2010 |
You should check to see if they still have HUD .. |
Forum |
| Mon Feb 15 8:00:13 2010 |
Thank you Quindir for stopping by
We are a .. |
Forum |
| Sat Feb 13 6:47:16 2010 |
George is correct...and it will also depend on .. |
Forum |
| Fri Feb 12 10:17:23 2010 |
Is the account satisfied .. |
Forum |
| Sun Feb 7 10:43:02 2010 |
Once the information is resolved with the credit .. |
Forum |
| Sun Feb 7 11:52:34 2010 |
they drop off 7 years after the . you can hire .. |
Forum |
| Sun Feb 7 11:49:09 2010 |
It's important...they look at the score among .. |
Forum |
| Sun Feb 7 11:47:12 2010 |
Sounds pretty simple but there are many other .. |
Forum |
| Sat Feb 6 6:40:06 2010 |
any judgment won against you can put a lien on .. |
Forum |
| Sat Feb 6 6:38:10 2010 |
No, but you should always ask your accountant. .. |
Forum |
| Sat Feb 6 6:36:38 2010 |
ask your attorney for a copy of the credit report .. |
Forum |
| Fri Feb 5 1:50:09 2010 |
a chargeoff/collection can only stay for 7years .. |
Forum |
| Fri Feb 5 1:47:51 2010 |
homestead is for taxes
Having a will or trust .. |
Forum |
| Wed Feb 3 7:20:23 2010 |
try cityfinancial. i know they were big on that. .. |
Forum |
| Wed Feb 3 7:30:30 2010 |
They should not be doing this, and I believe it's .. |
Forum |
| Tue Feb 2 8:03:16 2010 |
normally if the house is going to foreclose they .. |
Forum |
| Tue Feb 2 10:01:40 2010 |
I have seen points increase as much as 90 points .. |
Forum |
| Mon Feb 1 6:36:31 2010 |
Statute of Limitations - each state has their .. |
Forum |
| Mon Feb 1 3:21:57 2010 |
Remember that credit cards have a line that says .. |
Forum |
| Mon Feb 1 3:16:49 2010 |
just make sure they report it in the end. having .. |
Forum |
| Mon Feb 1 3:08:34 2010 |
Sorry to hear about your troubles but .. |
Forum |
| Mon Feb 1 3:06:34 2010 |
You should talk to a credit consultant or an .. |
Forum |
| Sun Jan 31 4:06:53 2010 |
Private money which is very expensive. Would also .. |
Forum |
| Sun Jan 31 4:03:57 2010 |
Steven - i wouldn't see why you couldn't do that. .. |
Forum |
| Sun Jan 31 4:02:22 2010 |
Last straw - hard to say. Were you dealing with a .. |
Forum |
| Sat Jan 30 10:18:50 2010 |
willy - it will hurt BUT if they show that you .. |
Forum |
| Fri Jan 29 10:55:05 2010 |
safemba is correct. Unless it's a lien or .. |
Forum |
| Fri Jan 29 10:52:22 2010 |
Stephanie - it doesnt sound legal but you will .. |
Forum |
| Fri Jan 29 10:49:26 2010 |
I agree with George
You need to find out what .. |
Forum |
| Fri Jan 29 10:47:42 2010 |
It will depend on the state. In some states, the .. |
Forum |
| Fri Jan 29 10:45:22 2010 |
You will need to speak to an attorney and/or .. |
Forum |
| Thu Jan 28 1:33:44 2010 |
Have you spoken to an attorney or title .. |
Forum |
| Thu Jan 28 10:05:29 2010 |
sorry was replying to james. .. |
Forum |
| Wed Jan 27 7:48:18 2010 |
credit guidelines for a VA are very similar to an .. |
Forum |
| Wed Jan 27 7:46:47 2010 |
yep...also known as universal default clause .. |
Forum |
| Wed Jan 27 7:44:50 2010 |
i thought payment history was #1
either way .. |
Forum |
| Mon Jan 25 10:04:02 2010 |
Speak to your BK attorney
See if you can .. |
Forum |
| Sat Jan 23 7:36:15 2010 |
mooom a question like that will more than likely .. |
Forum |
| Fri Jan 22 9:31:53 2010 |
I would ask a real estate attorney in NY
Some .. |
Forum |
| Fri Jan 22 9:04:46 2010 |
and if there are 2 borrowers the lender will use .. |
Forum |
| Fri Jan 22 9:02:08 2010 |
FHA should be 12months from paying the chapter .. |
Forum |
| Fri Jan 22 9:00:22 2010 |
Bank of America had a Secure credit card....99 .. |
Forum |
| Fri Jan 22 8:58:19 2010 |
With FHA a score may not matter as it would to a .. |
Forum |
| Fri Jan 22 8:56:13 2010 |
Equifax and Transunion (in my experience) has .. |
Forum |
| Fri Jan 22 8:53:49 2010 |
old post but answering it so others may learn .. |
Forum |
| Fri Jan 22 8:49:41 2010 |
If you're an authorized user then you shouldn't .. |
Forum |
| Fri Jan 22 8:42:25 2010 |
more than likely ALL lenders will use FICO. I .. |
Forum |
| Wed Dec 24 8:50:24 2008 |
Good Morning and Welcome to MortgageFit!
John .. |
Forum |
| Wed Dec 24 8:47:35 2008 |
Good Morning PeteUtah and welcome to .. |
Forum |
| Wed Dec 24 8:44:13 2008 |
Good Morning Duduong and Welcome to .. |
Forum |
| Wed Dec 24 8:39:44 2008 |
Good Morning and Welcome to Mortgagefit!
You .. |
Forum |
| Wed Dec 24 8:03:55 2008 |
Good Morning Wondering and welcome to .. |
Forum |
| Thu Dec 11 12:33:41 2008 |
Good Afternoon Blak
Shopping prematurely can .. |
Forum |
| Thu Dec 11 12:26:53 2008 |
Good Afternoon WendPerry
you will need to do a .. |
Forum |
| Wed Dec 10 3:58:38 2008 |
i would like to cashout 23.79 + what Sam has .. |
Forum |
| Tue Dec 9 8:12:19 2008 |
wow you guys are making some big .. |
Forum |
| Tue Dec 2 6:30:01 2008 |
Welcome to MortgageFit!
If you're currently in .. |
Forum |
| Tue Dec 2 6:23:49 2008 |
Hi owenkorkie, and welcome to Mortgagefit!
I .. |
Forum |
| Tue Dec 2 6:20:44 2008 |
Welcome to Mortgagefit Goporderonline!
You can .. |
Forum |
| Tue Dec 2 6:09:53 2008 |
Hi Kimmy...welcome back!
That is correct that .. |
Forum |
| Sun Nov 30 10:40:19 2008 |
The terms are guaranteed if you the borrower .. |
Forum |
| Sat Nov 29 1:24:43 2008 |
Mr White you can visit the local county office to .. |
Forum |
| Sat Nov 29 1:22:18 2008 |
Will the bank foreclose on it Nobody knows but we .. |
Forum |
| Sat Nov 29 1:10:35 2008 |
Hi fregreer, and welcome to Mortgagefit!
It's .. |
Forum |
| Sat Nov 29 1:06:49 2008 |
Hi mooreferree, and welcome to .. |
Forum |
| Sat Nov 29 1:05:17 2008 |
I would check with a local real estate attorney .. |
Forum |
| Sat Nov 29 1:02:59 2008 |
Yes they can foreclose on the house....but it .. |
Forum |
| Sat Nov 29 1:00:51 2008 |
I believe FC is now 60 months.
I would checkout .. |
Forum |
| Sat Nov 29 12:57:36 2008 |
Hi msbattlingboop..welcome to .. |
Forum |
| Sat Nov 29 12:54:19 2008 |
try to find a lender that does FHA loans for .. |
Forum |
| Sat Nov 29 12:52:44 2008 |
I would find out if you can 'assume' the .. |
Forum |
| Sat Nov 29 12:48:52 2008 |
Are you speaking about the benefits of the 2% .. |
Forum |
| Tue Oct 28 6:57:33 2008 |
With the late payments...and the .. |
Forum |
| Tue Oct 28 6:09:29 2008 |
Good Evening Madeline and welcome to .. |
Forum |
| Tue Oct 28 6:06:46 2008 |
Good Evening Rinkydink and welcome to .. |
Forum |
| Tue Oct 28 6:04:57 2008 |
Hi Sprisock ...and welcome to .. |
Forum |
| Thu Oct 23 6:16:59 2008 |
wow I have a long way to .. |
Forum |
| Mon Oct 20 6:23:51 2008 |
I would try to refinance immediately. The debt .. |
Forum |
| Mon Oct 20 6:20:33 2008 |
Hi susie83185
I hope we answered your question .. |
Forum |
| Mon Oct 20 6:08:36 2008 |
Hi susie83185 and welcome to Mortgagefit!
VA .. |
Forum |
| Mon Oct 20 6:04:59 2008 |
Hi moakhdipped and welcome to MortgageFit!
FHA .. |
Forum |
| Mon Oct 20 5:59:49 2008 |
Hi blak6764 and welcome to MortgageFit!
They .. |
Forum |
| Wed Sep 24 6:59:50 2008 |
Hi Cindy welcome to our Forum!
There are many .. |
Forum |
| Wed Sep 24 1:16:36 2008 |
Cindy Welcome to Mortgagefit!
If you're not .. |
Forum |
| Tue Sep 23 6:27:20 2008 |
Hi tqmshop1, Welcome to Mortgagefit!
It's .. |
Forum |
| Tue Sep 23 6:24:26 2008 |
Hi Daisy welcome to MortgageFit!
I would .. |
Forum |
| Tue Sep 23 6:20:03 2008 |
Most mortgages have an accelerated clause that .. |
Forum |
| Tue Sep 23 6:18:13 2008 |
Most lenders view 720 as the highest credit score .. |
Forum |
| Tue Sep 23 6:12:37 2008 |
Hi Yvonne and Welcome!
You should ask your .. |
Forum |
| Mon Sep 15 11:32:23 2008 |
Hi Vfletcher...Welcome to Mortgagefit.
This .. |
Forum |
| Sat Sep 13 8:04:41 2008 |
Hi and welcome to Mortgagefit!
I would .. |
Forum |
| Fri Sep 12 6:00:17 2008 |
Hi Michael...Welcome to MortgageFit.
Lenders .. |
Forum |
| Wed Sep 10 6:39:06 2008 |
The attorney will explain in detail or go line by .. |
Forum |
| Wed Sep 10 6:35:06 2008 |
Hi Warren welcome to mortgagefit!
Can you .. |
Forum |
| Tue Sep 9 5:43:14 2008 |
Welcome to our forum swanneesue,
To answer .. |
Forum |
| Tue Sep 9 5:38:32 2008 |
I would recommend that you negotiate with your .. |
Forum |
| Tue Sep 9 5:36:22 2008 |
It will benefit you if you make on time .. |
Forum |
| Tue Sep 9 5:32:22 2008 |
FHA loans will help you avoid HIGH PMI costs if .. |
Forum |
| Tue Sep 9 5:29:12 2008 |
It depends on what type of bankruptcy it .. |
Forum |
| Sat Aug 23 10:06:37 2008 |
That is correct. Anything over a 720 is .. |
Forum |
| Sat Aug 23 10:03:59 2008 |
You can get approved by FHA BUT FHA has a few .. |
Forum |
| Thu Jul 31 7:24:10 2008 |
You should find out what is the Statute of .. |
Forum |
| Wed Jul 30 9:33:59 2008 |
Welcome to MortgageFit forum,
It depends on .. |
Forum |
| Wed Jul 30 9:28:08 2008 |
Removing items MAY help you AND may HURT your .. |
Forum |
| Wed Jul 16 6:56:07 2008 |
Actually, BK isn't the single worst thing that .. |
Forum |
| Thu Jul 3 6:02:08 2008 |
I need to come here more often.
I like the .. |
Forum |
| Thu Jul 3 5:59:14 2008 |
You can try FHA but they are strict on recent .. |
Forum |
| Thu Jul 3 5:55:52 2008 |
Have you tried with FHA
You can't have any .. |
Forum |
| Thu Jul 3 5:52:37 2008 |
Is there a reason why they asked for a survey .. |
Forum |
| Tue Jul 1 10:30:24 2008 |
I have never heard of PMI payments fluctuating. .. |
Forum |
| Tue Jul 1 10:26:01 2008 |
a lot of credit cards are notorious for removing .. |
Forum |
| Tue Jul 1 10:23:46 2008 |
I'm speaking of experience, and from what the .. |
Forum |
| Mon Jun 30 7:09:03 2008 |
3.329 points I wonder if they're hitting Section .. |
Forum |
| Mon Jun 30 7:06:21 2008 |
Brian, I would also look at your signature. .. |
Forum |
| Mon Jun 30 7:00:59 2008 |
You can get them from a local title company or .. |
Forum |
| Mon Jun 30 6:59:09 2008 |
Opting out WILL NOT increase your credit .. |
Forum |
| Sat Jun 21 9:33:45 2008 |
don't do anything w/out the loan officer's .. |
Forum |
| Sat Jun 21 8:47:43 2008 |
You will need to show proof that it was included. .. |
Forum |
| Sat Jun 21 8:15:33 2008 |
Hard Collection Companies .. |
Forum |
| Sat Jun 21 8:04:40 2008 |
It also varies on what their starting rate .. |
Forum |
| Sat Jun 21 7:54:58 2008 |
It happened in the last months
The 1 Year LIBOR .. |
Forum |
| Sat Jun 21 7:45:07 2008 |
All judgements have to paid off for most types of .. |
Forum |
| Sat Jun 21 8:16:52 2008 |
It depends on the lender you're working with. .. |
Forum |
| Tue Jun 3 4:58:12 2008 |
if she's not on the mortgage then it will not .. |
Forum |
| Tue Jun 3 4:54:22 2008 |
depends on the state you live in.
you will need .. |
Forum |
| Wed May 28 9:33:14 2008 |
with mortgages and auto loans, you will have a .. |
Forum |
| Thu May 22 7:28:37 2008 |
you guys are raking in the big .. |
Forum |
| Thu May 22 7:08:08 2008 |
they normally use the numbers on your credit .. |
Forum |
| Thu May 22 6:59:41 2008 |
Hey guys let's stay on topic. Unrelated posts .. |
Forum |
| Mon Apr 28 8:04:36 2008 |
I would recommend to stay away from .. |
Forum |
| Mon Apr 28 7:55:46 2008 |
that is a longterm goal. You wont get a huge .. |
Forum |
| Mon Apr 28 7:08:19 2008 |
it is that easy...I'm writing from .. |
Forum |
| Sat Apr 26 6:50:05 2008 |
Larry is correct
Hard pulls are when YOU give .. |
Forum |
| Fri Apr 25 6:37:46 2008 |
you're allowed to shop around for 30days from the .. |
Forum |
| Thu Apr 17 6:56:04 2008 |
paying it off will restart the SOL, but rememer .. |
Forum |
| Fri Mar 28 12:10:07 2008 |
it shouldnt show up on your credit history if .. |
Forum |
| Wed Mar 26 8:43:50 2008 |
with FHA you dont need a 600, but will need on .. |
Forum |
| Wed Mar 26 7:16:52 2008 |
try creditcards.com
stay away from premier. I .. |
Forum |
| Wed Mar 26 7:15:40 2008 |
always try to negotiate for the collection agency .. |
Forum |
| Wed Mar 19 9:54:09 2008 |
find a broker who can do FHA and/or knows a .. |
Forum |
| Tue Mar 18 9:25:21 2008 |
also, if your file requires a manual underwrite, .. |
Forum |
| Tue Mar 18 9:11:28 2008 |
Conventional loans allow cashout refinancing up .. |
Forum |
| Tue Mar 18 9:06:56 2008 |
brokers may find a lender that can go lower than .. |
Forum |
| Tue Mar 18 9:03:55 2008 |
If you put 20% down, you are still required to .. |
Forum |
| Tue Mar 18 9:02:12 2008 |
to clarify - the fha funding fee 1.5% is .. |
Forum |
| Tue Mar 18 9:01:28 2008 |
On a FHA refinance you can roll everything into .. |
Forum |
| Tue Mar 18 8:55:26 2008 |
it maybe in your sister's best interest to have .. |
Forum |
| Mon Mar 17 7:02:54 2008 |
I foudn out by pricing it out with the lenders. I .. |
Forum |
| Sun Mar 16 3:01:55 2008 |
be careful with services that were referred by a .. |
Forum |
| Sat Mar 15 7:12:31 2008 |
once you close you will have 2 sheets for each .. |
Forum |
| Sat Mar 15 7:05:04 2008 |
that's correct. it's called a 'cooling .. |
Forum |
| Sat Mar 15 7:03:59 2008 |
let's hope they do. they normally send an email .. |
Forum |
| Sat Mar 15 6:25:08 2008 |
not necessarily....if he was late then he was .. |
Forum |
| Sat Mar 15 3:28:11 2008 |
FHA allows up to 97.75% rate/term financing or .. |
Forum |
| Sat Mar 15 3:26:55 2008 |
to answer your question lol.....
most lenders .. |
Forum |
| Sat Mar 15 3:23:17 2008 |
that sounds strange.
the first step should be .. |
Forum |
| Sat Mar 15 3:19:09 2008 |
from my experience....the change in score was .. |
Forum |
| Sun Mar 9 3:41:45 2008 |
builders will always offer the highest rate .. |
Forum |
| Sat Mar 8 8:38:47 2008 |
depends on if you have similar names.
Why did .. |
Forum |
| Sat Mar 8 8:36:59 2008 |
write your letters directly to Equifax, and ask .. |
Forum |
| Fri Mar 7 4:10:02 2008 |
when you submit a full application ...CURRENTLY .. |
Forum |
| Tue Mar 4 2:48:48 2008 |
whoever is on title can sell the house .. |
Forum |
| Fri Feb 29 4:12:59 2008 |
some lenders MAY use the higher .. |
Forum |
| Fri Feb 29 4:12:24 2008 |
565 will be the score they .. |
Forum |
| Fri Feb 29 3:20:08 2008 |
most lenders use the lower of the two middle .. |
Forum |
| Fri Feb 29 8:50:10 2008 |
Try to raise the limit with your current .. |
Forum |
| Fri Feb 29 8:48:19 2008 |
closing your oldest accounts may be one of the .. |
Forum |
| Tue Feb 26 10:58:22 2008 |
Irwin Home Equity offered these loans before..not .. |
Forum |
| Tue Feb 26 10:56:56 2008 |
No it doesnt, but you will need to show proof .. |
Forum |
| Tue Feb 26 3:28:30 2008 |
FHA requires 3yrs before you can apply for an FHA .. |
Forum |
| Tue Feb 26 3:25:08 2008 |
depends on the state, but you definitely need to .. |
Forum |
| Tue Feb 26 3:23:16 2008 |
i had .. |
Forum |
| Tue Feb 26 3:22:35 2008 |
if your name isn't on the title then the home .. |
Forum |
| Mon Feb 25 4:44:07 2008 |
haven't had the opportunity with FHA secure .. |
Forum |
| Mon Feb 25 4:41:38 2008 |
You can look into an FHA loan. they dont have a .. |
Forum |
| Sun Feb 24 4:16:47 2008 |
FHA is a huge part of any loan officer's .. |
Forum |
| Sun Feb 24 4:11:43 2008 |
the above posters give sound advice.
To answer .. |
Forum |
| Sun Feb 24 4:02:45 2008 |
I'm not sure why anyone may consider an .. |
Forum |
| Sun Feb 24 8:26:15 2008 |
http://www.mortgagefit.com/unitedstates/ will be .. |
Forum |
| Sun Feb 24 8:25:17 2008 |
Lisa...the only way conforming is 'lower' in rate .. |
Forum |
| Sun Feb 24 8:23:36 2008 |
It doesnt hurt your FICO score if you have low .. |
Forum |
| Sat Feb 23 10:09:55 2008 |
FHA doesnt look at your score...but I would start .. |
Forum |
| Sat Feb 23 9:37:50 2008 |
NACA doesnt look at credit scores. It's a long .. |
Forum |
| Sat Feb 23 9:34:31 2008 |
basically, you're writing a letter to a .. |
Forum |
| Sat Feb 23 9:26:03 2008 |
have you had a foreclosure in the last 3yrs
have .. |
Forum |
| Sat Feb 23 9:22:29 2008 |
FHA rates are currently about .25-.375% lower .. |
Forum |
| Fri Feb 22 10:44:34 2008 |
having a 'variety' of open tradelines is good. If .. |
Forum |
| Fri Feb 22 10:42:02 2008 |
i received cashout! thanks .. |
Forum |
| Fri Feb 22 10:36:52 2008 |
When you search for 'mortgage' on Google..you .. |
Forum |
| Fri Feb 22 8:07:25 2008 |
Since when do PO Boxes accept certified .. |
Forum |
| Fri Feb 22 8:04:39 2008 |
the entire credit line CAN be deleted IF you .. |
Forum |
| Fri Feb 22 7:56:32 2008 |
it depends on your state laws. some states regard .. |
Forum |
| Fri Feb 22 7:49:37 2008 |
This is wrong, and I'm not sure if you're in .. |
Forum |
| Thu Feb 21 11:50:47 2008 |
you guys talking about me
be careful or .. |
Forum |
| Thu Feb 21 11:43:13 2008 |
I have heard that FICO is allowing 1 late payment .. |
Forum |
| Thu Feb 21 8:24:00 2008 |
you can check here in a few .. |
Forum |
| Wed Feb 20 1:13:51 2008 |
Thank you everyone who voted for .. |
Forum |
| Wed Feb 20 1:12:55 2008 |
apply with a local broker and/or bank.
You will .. |
Forum |
| Wed Feb 20 1:09:34 2008 |
There is no time limitation for FHA, but they .. |
Forum |
| Wed Feb 20 1:05:48 2008 |
Sending the letter may be the only option to .. |
Forum |
| Wed Feb 20 1:01:59 2008 |
Not having a diversified credit profile will hurt .. |
Forum |
| Wed Feb 20 12:54:56 2008 |
Debit cards do not report to the credit report .. |
Forum |
| Wed Feb 20 12:47:51 2008 |
A simple search on google for 'credit cards' can .. |
Forum |
| Wed Feb 20 12:45:09 2008 |
Depends if the creditor is reporting this account .. |
Forum |
| Tue Feb 19 11:01:54 2008 |
sounds like you're in a high cost area...which .. |
Forum |
| Tue Feb 19 9:03:16 2008 |
all limits have increased to $271,050.
HUD has .. |
Forum |
| Thu Feb 14 8:38:52 2008 |
thank you everyone.
george - did Sam ask you .. |
Forum |
| Mon Jan 28 5:02:13 2008 |
Really depends on the loan to value....most .. |
Forum |
| Mon Jan 28 10:31:12 2008 |
this week you should shop.
a lot of companies .. |
Forum |
| Mon Jan 28 10:28:50 2008 |
thank you!
I didnt know this was .. |
Forum |
| Sun Jan 27 7:38:07 2008 |
VA will be a good option......
You should .. |
Forum |
| Sat Jan 26 6:08:24 2008 |
Fannie Mae has changed a lot of .. |
Forum |
| Sat Jan 26 6:05:48 2008 |
when does the prepayment penalty end when did you .. |
Forum |
| Fri Jan 25 11:21:43 2008 |
Depends on the value of the home.. (loan to .. |
Forum |
| Thu Jan 24 12:45:53 2008 |
also, most lenders dont consider an 'origination .. |
Forum |
| Thu Jan 24 12:42:36 2008 |
You might as well apply for a FHA loan.....their .. |
Forum |
| Thu Jan 24 12:40:37 2008 |
there are other banks/lenders that can do .. |
Forum |
| Thu Jan 24 12:37:54 2008 |
there are a lot of questions to be answered .. |
Forum |
| Wed Jan 23 10:42:08 2008 |
leases have to be renewed or you will need to buy .. |
Forum |
| Wed Jan 23 10:24:11 2008 |
Combo is a lot different than 1 loan. Maybe this .. |
Forum |
| Wed Jan 23 9:23:18 2008 |
I saw 3 lenders so far that can do this.
I .. |
Forum |
| Wed Jan 23 7:04:57 2008 |
hmmmm i didnt know they were giving away .. |
Forum |
| Wed Jan 23 7:00:09 2008 |
are you going to provide full .. |
Forum |
| Wed Jan 23 3:06:46 2008 |
what's the name of the .. |
Forum |
| Wed Jan 23 11:58:56 2008 |
Umm there are NO Lenders that will give you 5.125 .. |
Forum |
| Wed Jan 23 8:16:45 2008 |
Why dont you sell it and payoff your debts
BK .. |
Forum |
| Wed Jan 23 8:11:22 2008 |
it's actually 1yr..and everything needs to be on .. |
Forum |
| Tue Jan 22 11:09:36 2008 |
Okay I'm going to stop bickering with you as you .. |
Forum |
| Tue Jan 22 10:29:03 2008 |
I dont release sources to my .. |
Forum |
| Tue Jan 22 6:35:52 2008 |
no..because they will need to do a title search .. |
Forum |
| Tue Jan 22 2:14:31 2008 |
sunnytimes - 30yr fixed mortgages are around .. |
Forum |
| Tue Jan 22 1:39:18 2008 |
I will disclose at least 2 lender sources to any .. |
Forum |
| Tue Jan 22 10:32:45 2008 |
Also, you need to watch what you write. Calling .. |
Forum |
| Tue Jan 22 10:29:42 2008 |
I just checked on the 5/1 ARM I/O up to 1million .. |
Forum |
| Tue Jan 22 8:10:59 2008 |
Lisa....of course it's possible.
5/1 Arm I/O .. |
Forum |
| Mon Jan 21 7:48:47 2008 |
Hey sunnytimes....saw you on citydata.
Just a .. |
Forum |
| Sat Jan 19 10:45:00 2008 |
It's called a Rehab loan. When you purchase a .. |
Forum |
| Sat Jan 19 10:43:08 2008 |
They may qualify with FHA....the only way to find .. |
Forum |
| Fri Jan 18 8:57:51 2008 |
What are the ratios that you have are you going .. |
Forum |
| Fri Jan 18 8:56:33 2008 |
The problem will be finding a lender that will .. |
Forum |
| Fri Jan 18 11:41:38 2008 |
Nobody here would know that answer to your .. |
Forum |
| Thu Jan 17 10:35:32 2008 |
FHA may not be 'credit score' driven but they are .. |
Forum |
| Thu Jan 17 10:32:45 2008 |
find yourself a local lender/broker. Banks always .. |
Forum |
| Thu Jan 17 10:22:49 2008 |
You can try an ARM as their rates maybe lower .. |
Forum |
| Thu Jan 17 10:19:33 2008 |
It really depends in the state that you're .. |
Forum |
| Mon Jan 14 8:26:37 2008 |
best way is to buy it from him like you would buy .. |
Forum |
| Mon Jan 14 9:32:43 2008 |
if you havent been late...then i would recommend .. |
Forum |
| Sun Jan 13 6:16:47 2008 |
go to BofA they have no closing cost helocs that .. |
Forum |
| Sat Jan 12 10:13:57 2008 |
wow just .. |
Forum |
| Sat Jan 12 1:21:07 2008 |
if you open a business you can open a tax ein or .. |
Forum |
| Fri Jan 11 7:06:19 2008 |
if you open a business account with bank of .. |
Forum |
| Fri Jan 11 8:53:18 2008 |
30days is plenty of time to bring up your credit .. |
Forum |
| Thu Jan 10 8:32:48 2008 |
file a report with the FTC.
call experian .. |
Forum |
| Thu Jan 10 8:25:03 2008 |
if there is only 1 agency...then you dont need to .. |
Forum |
| Thu Jan 10 8:22:25 2008 |
try FHA or .. |
Forum |
| Wed Jan 9 10:51:14 2008 |
Yeah for Donna. She is exactly right. When you .. |
Forum |
| Wed Jan 9 10:39:54 2008 |
you're probably speaking of the Freeze on ARM .. |
Forum |
| Wed Jan 9 10:37:59 2008 |
depends....if you're paid hourly they will .. |
Forum |
| Wed Jan 9 11:46:43 2008 |
I thought they would do a title search...and the .. |
Forum |
| Wed Jan 9 11:44:42 2008 |
Jheard - paying off a collection item is not .. |
Forum |
| Wed Jan 9 11:41:36 2008 |
anyone who can do FHA can do this....you shouldnt .. |
Forum |
| Tue Jan 8 3:09:29 2008 |
well do you think a bank is willing to give .. |
Forum |
| Tue Jan 8 3:02:22 2008 |
Nah first I was laughing at the remark George .. |
Forum |
| Tue Jan 8 2:50:55 2008 |
what is the value of the home and your credit .. |
Forum |
| Tue Jan 8 2:45:06 2008 |
funny how they say removing legitimate items .. |
Forum |
| Tue Jan 8 2:43:22 2008 |
a lot of ppl dont even know why derogatory items .. |
Forum |
| Tue Jan 8 1:49:50 2008 |
wow...$1245 for an individual .. |
Forum |
| Tue Jan 8 1:46:28 2008 |
well....working with your current lender maybe .. |
Forum |
| Tue Jan 8 1:41:39 2008 |
it also matters if your 5.25% is an ARM or 30yr .. |
Forum |
| Tue Jan 8 1:40:11 2008 |
Underwriters are always watching! beware .. |
Forum |
| Tue Jan 8 10:15:41 2008 |
i would recommend a timeframe of paying....
not .. |
Forum |
| Tue Jan 8 9:28:05 2008 |
that totally contradicts 605(c) which probably .. |
Forum |
| Mon Jan 7 7:56:09 2008 |
Receiving cash gifts has nothing to do with the .. |
Forum |
| Mon Jan 7 7:45:47 2008 |
Please read carefully as I stated 'Giving cash .. |
Forum |
| Mon Jan 7 3:09:18 2008 |
The net amount of the sale price can be given as .. |
Forum |
| Mon Jan 7 1:34:09 2008 |
MyCommunity are for teachers.
They can also look .. |
Forum |
| Mon Jan 7 1:32:28 2008 |
It will not stay on your credit report for .. |
Forum |
| Mon Jan 7 1:28:53 2008 |
Lee there are some options that can be .. |
Forum |
| Mon Jan 7 4:42:17 2008 |
Shane...a lot of brokers/lenders only have a few .. |
Forum |
| Sun Jan 6 8:12:00 2008 |
Rates will be a lot lower than .. |
Forum |
| Sun Jan 6 8:10:01 2008 |
lately the FHA rates have been better than the .. |
Forum |
| Sat Jan 5 10:56:14 2008 |
find yourself a local broker who can find you a .. |
Forum |
| Wed Jan 2 1:23:08 2008 |
there are a lot of things to consider!
what is .. |
Forum |
| Wed Jan 2 10:48:06 2008 |
Generally, when you're 5months behind...that's .. |
Forum |
| Wed Jan 2 10:43:33 2008 |
Wyoming is an equitable distribution state, .. |
Forum |
| Wed Jan 2 9:13:11 2008 |
not for a rate/term refinance......and also there .. |
Forum |
| Sun Dec 30 6:02:28 2007 |
you should try FHA...they allow up to 95% cashout .. |
Forum |
| Sun Dec 30 6:00:18 2007 |
PMI is for conventional/conforming .. |
Forum |
| Sun Dec 30 5:57:36 2007 |
FHA requires 24months MINIMUM from the date of .. |
Forum |
| Sun Dec 30 5:55:06 2007 |
well the rate is pretty good....most lenders can .. |
Forum |
| Sun Dec 30 5:51:00 2007 |
look into FHA financing....they dont have a score .. |
Forum |
| Sun Dec 30 12:03:05 2007 |
actually best business practice is to pay for .. |
Forum |
| Sat Dec 29 9:25:42 2007 |
that only applies if they actually close the .. |
Forum |
| Sat Dec 29 3:02:03 2007 |
Did your broker try FHA .. |
Forum |
| Sat Dec 29 3:00:25 2007 |
unless you signed an agreement to pay whether the .. |
Forum |
| Sat Dec 29 2:53:49 2007 |
OMG the 15 yr fixed...are at .. |
Forum |
| Thu Dec 27 6:27:02 2007 |
Don't pay it! If it will pay your .. |
Forum |
| Thu Dec 27 6:25:18 2007 |
I would go with the 6% or 6.125%.
Rates may .. |
Forum |
| Fri Dec 21 9:34:21 2007 |
we have a lender list.....you should be able to .. |
Forum |
| Mon Dec 17 6:03:02 2007 |
it is best to refinance the home....not for a .. |
Forum |
| Mon Dec 17 10:09:36 2007 |
Maybe you have dealt with divorces Maybe you .. |
Forum |
| Mon Dec 17 10:01:45 2007 |
maybe emphasis on the keyword will help everyone .. |
Forum |
| Sun Dec 16 11:35:45 2007 |
if it's in the divorce agreement that she needs .. |
Forum |
| Sun Dec 16 11:27:51 2007 |
depends on the lenders.
If you receive a .. |
Forum |
| Thu Dec 6 8:45:16 2007 |
i was making a point. Disclosing every lender .. |
Forum |
| Thu Dec 6 7:06:03 2007 |
that is not true...every lender may have their .. |
Forum |
| Tue Dec 4 4:40:35 2007 |
There are MANY lenders that can do up to 65% DTI .. |
Forum |
| Tue Dec 4 12:08:45 2007 |
the mortgage company that you were late with or .. |
Forum |
| Tue Dec 4 9:40:09 2007 |
ask the broker.....it matters what his credit .. |
Forum |
| Tue Dec 4 9:08:34 2007 |
it's up to the Underwriter.
the .. |
Forum |
| Mon Dec 3 3:17:32 2007 |
Sounds like you did a short sale
That means that .. |
Forum |
| Mon Dec 3 2:03:10 2007 |
depends what your credit report states about the .. |
Forum |
| Mon Dec 3 12:56:02 2007 |
foz- i looked up the Foreclosure guidelines, and .. |
Forum |
| Mon Dec 3 12:33:43 2007 |
I didnt say anything about collections or .. |
Forum |
| Mon Dec 3 12:13:09 2007 |
OP -
Foreclosures require 2yrs for FHA....this .. |
Forum |
| Mon Dec 3 11:59:16 2007 |
i was writing about the 'adjustment' rate....not .. |
Forum |
| Mon Dec 3 10:28:22 2007 |
it depends on your loan amount...and what state .. |
Forum |
| Mon Dec 3 10:24:26 2007 |
your state's commissioner of banks.
if it's a .. |
Forum |
| Mon Dec 3 9:38:25 2007 |
wow that's a high rate!!!!
you shouldnt get .. |
Forum |
| Mon Dec 3 9:30:17 2007 |
call your new lender....and research them online .. |
Forum |
| Mon Dec 3 9:29:10 2007 |
one of the problems that arises with most FHA .. |
Forum |
| Mon Dec 3 9:21:57 2007 |
well find out if your house insurance (hazard) .. |
Forum |
| Mon Dec 3 9:16:03 2007 |
I would've gotten a 2nd opinion. If these items .. |
Forum |
| Fri Nov 30 9:39:50 2007 |
First....find out what the Statute of Limitations .. |
Forum |
| Fri Nov 30 9:32:30 2007 |
not sure what Jonny meant.......bank accounts are .. |
Forum |
| Fri Nov 30 9:29:12 2007 |
you will need to speak to a financial .. |
Forum |
| Thu Nov 29 10:15:52 2007 |
yes and no.
do you have 2.25% for a down .. |
Forum |
| Thu Nov 29 10:13:15 2007 |
redemption period on a .. |
Forum |
| Wed Nov 28 8:54:23 2007 |
I would never recommend going through the .. |
Forum |
| Wed Nov 28 8:49:23 2007 |
It's not possible. ESPECIALLY if the market has .. |
Forum |
| Wed Nov 28 2:13:46 2007 |
with Flex 100 you need a 620 to avoid High .. |
Forum |
| Wed Nov 28 1:10:27 2007 |
If your husband files BK you may have to file .. |
Forum |
| Wed Nov 28 1:03:16 2007 |
i think you're looking for the 203b FHA .. |
Forum |
| Wed Nov 28 9:23:53 2007 |
Flex100 is a good program if all else .. |
Forum |
| Tue Nov 27 9:24:38 2007 |
If you're not under contract then negotiate for .. |
Forum |
| Tue Nov 27 9:19:13 2007 |
depends on what state you're in........if you're .. |
Forum |
| Tue Nov 27 9:14:35 2007 |
Look for a 'due on sale' clause or acceleration .. |
Forum |
| Tue Nov 27 9:09:46 2007 |
I use a processor that doesnt work for Carteret .. |
Forum |
| Tue Nov 27 9:08:08 2007 |
most lenders wont allow this as a rate/term .. |
Forum |
| Tue Nov 27 9:04:35 2007 |
try a broker...most banks or online lenders dont .. |
Forum |
| Tue Nov 27 1:07:39 2007 |
just to be more specific.
you will need to .. |
Forum |
| Wed Nov 21 9:47:29 2007 |
if there is a lis pendes then YES....make sure to .. |
Forum |
| Wed Nov 21 9:05:50 2007 |
yep...but make sure there arent ANY current .. |
Forum |
| Tue Nov 20 7:42:57 2007 |
there is a legal way of keeping her off the .. |
Forum |
| Tue Nov 20 7:40:29 2007 |
any credit card will do a 'hard pull' whether .. |
Forum |
| Tue Nov 20 7:37:40 2007 |
FHA doesnt allow stated .. |
Forum |
| Mon Nov 19 8:04:14 2007 |
what they look at is how long the account has .. |
Forum |
| Mon Nov 19 7:52:27 2007 |
depends on your state.
check to see if your .. |
Forum |
| Mon Nov 19 7:50:13 2007 |
there arent many loans that will allow you to .. |
Forum |
| Mon Nov 19 4:20:47 2007 |
you can do a quit claim deed to get her off .. |
Forum |
| Mon Nov 19 4:19:03 2007 |
depends on your state.......in NC they just .. |
Forum |
| Mon Nov 19 4:17:23 2007 |
depends on if it's an investment property....and .. |
Forum |
| Mon Nov 19 4:16:16 2007 |
your lender will tell you when you're .. |
Forum |
| Mon Nov 19 4:14:44 2007 |
Fozman...the statement from your lender can be .. |
Forum |
| Sun Nov 18 11:56:28 2007 |
yep. they will foreclose on your home for the 2nd .. |
Forum |
| Sat Nov 17 4:49:51 2007 |
Hi,
I have worked for Bank of America for .. |
Forum |
| Fri Nov 16 5:10:28 2007 |
you can do FHA rate/term 97.75% or cash out up to .. |
Forum |
| Fri Nov 16 2:19:36 2007 |
actually you can remove valid items from your .. |
Forum |
| Fri Nov 16 1:27:11 2007 |
hey
cqrix2004......Please understand that i .. |
Forum |
| Fri Nov 16 10:11:40 2007 |
no lender will refinance the home when your name .. |
Forum |
| Fri Nov 16 10:09:25 2007 |
you need to sit down with a title company or .. |
Forum |
| Fri Nov 16 10:06:41 2007 |
maybe there arent any laws...but lenders have .. |
Forum |
| Fri Nov 16 10:05:37 2007 |
you may need a FHA lender that does manual .. |
Forum |
| Fri Nov 16 7:25:14 2007 |
Hi,
Just joined ..I think yesterday .. |
Forum |
| Fri Nov 16 7:09:51 2007 |
removing OLD accounts from your credit report .. |
Forum |
| Fri Nov 16 6:56:00 2007 |
Once your lender starts short sale or foreclosure .. |
Forum |
| Fri Nov 16 6:52:03 2007 |
the problem with refinancing is that your .. |
Forum |
| Fri Nov 16 6:47:20 2007 |
find a lender that does FHA loans. You will get .. |
Forum |
| Fri Nov 16 6:45:45 2007 |
try to see if you can come up with 2.25% as a .. |
Forum |
| Thu Nov 15 6:14:51 2007 |
with FHA you will need to wait 2yrs from a .. |
Forum |
| Thu Nov 15 6:11:26 2007 |
you can refinance with a FHA loan...and get at .. |
Forum |
| Thu Nov 15 6:09:21 2007 |
depends on the state, and depends on what he's .. |
Forum |
| Thu Nov 15 6:03:01 2007 |
Hi jay...you sound like a Loan Officer.
Taylor .. |
Forum |
| Thu Nov 15 5:42:41 2007 |
try lookin at MyCommunity or HomePossible .. |
Forum |
| Thu Nov 15 12:00:21 2007 |
with FHA you shouldnt get a rate higher than .. |
Forum |
| Thu Nov 15 11:48:59 2007 |
Paying off an old collection item WILL hurt your .. |
Forum |
| Thu Nov 15 11:39:03 2007 |
FHA Mortgage rates depend on the lender. If you .. |
Forum |
| Thu Nov 15 11:33:50 2007 |
FHA Mortgage Loans is 1 yr for chapter 13...and .. |
Forum |
| Thu Nov 15 11:08:28 2007 |
FHA Mortgage Loans guidelines are 2yrs for .. |
Forum |
