| Posts by banker0679 |
| Subject
| Posting date |
| i agree with John. If you are paying on an item .. |
Fri Oct 28 6:30:44 2011 |
| Negative items show up on a credit report for up .. |
Fri Oct 28 6:28:42 2011 |
| Rapid rescore will speed up the process to lower .. |
Fri Oct 28 6:27:05 2011 |
| The joint holder will also need to be approved by .. |
Fri Oct 28 6:24:02 2011 |
| bob.....you'll need to wait 3 years i believe for .. |
Sat Jun 19 12:55:15 2010 |
| i dont believe any state can garnish SS UNLESS .. |
Mon Jun 14 7:10:12 2010 |
| You may want to look into BK 7
Either way you .. |
Mon Jun 14 7:08:25 2010 |
| credit score can drop 5-7 points if someone pulls .. |
Sat Jun 12 4:50:03 2010 |
| the credit report supplement will indicate if it .. |
Sat Jun 12 11:36:52 2010 |
| 1. find out what the statute of limitations is in .. |
Sat Jun 12 11:32:13 2010 |
| They can still add up interest and they do so cuz .. |
Sat Jun 12 11:29:04 2010 |
| You should be okay with 1yr unemployment as long .. |
Sat Jun 12 11:26:15 2010 |
| did you payoff old chargeoffs/collection accounts .. |
Sun Mar 28 2:37:02 2010 |
| it is possible
make sure you negotiate that with .. |
Fri Mar 26 9:29:29 2010 |
| hi are you speaking about tax credit or credit .. |
Wed Mar 24 7:00:08 2010 |
| i would try citifinancial or vanderbilt mortgage .. |
Wed Mar 24 6:35:16 2010 |
| will depend on
1. your debt to income .. |
Wed Mar 24 6:32:55 2010 |
| your account was reaged like if the account was .. |
Tue Mar 23 7:21:10 2010 |
| AU - automated underwriting
DU - Desktop .. |
Mon Mar 22 5:53:39 2010 |
| 1. check the statute of limitations. if it's .. |
Thu Mar 18 5:54:42 2010 |
| shortsales will lower your score about 50-75 .. |
Tue Mar 16 7:48:01 2010 |
| jweber - no. that is normal. Also, you'll .. |
Mon Mar 15 11:19:36 2010 |
| jweber - the scores are calculated by what's on .. |
Mon Mar 15 10:37:20 2010 |
| you will need to speak to a BK attorney
sorry to .. |
Sun Mar 14 8:34:35 2010 |
| even negative history can be good history on a .. |
Sun Mar 14 8:33:09 2010 |
| lenders look at scores AND how many tradelines .. |
Sun Mar 14 8:30:41 2010 |
| regrett - that depends on your HOA. HOA's are .. |
Sun Mar 14 8:29:24 2010 |
| What happened to the Equifax score
there's 3 .. |
Sat Mar 13 8:42:39 2010 |
| devia - possibly it can but if it hasn't showed .. |
Fri Mar 12 7:54:57 2010 |
| You will need to speak to the divorce attorney, .. |
Thu Mar 11 9:40:06 2010 |
| born - i believe child support and .. |
Thu Mar 11 9:37:57 2010 |
| It CAN hurt because lenders have been looking at .. |
Thu Mar 11 8:32:20 2010 |
| When's the last time you did it
Last FEW times .. |
Wed Mar 10 6:43:28 2010 |
| If your name was on the credit account, then .. |
Wed Mar 10 3:03:07 2010 |
| Unfortunately, adding ppl as an authorized user .. |
Wed Mar 10 1:47:35 2010 |
| It happens a lot. Sorry to hear this has happened .. |
Tue Mar 9 3:33:25 2010 |
| I would try to get rid of it ASAP ...maybe even .. |
Tue Mar 9 8:24:25 2010 |
| It doesnt remove the items
the credit items .. |
Tue Mar 9 8:22:46 2010 |
| They first have to win a judgment against you in .. |
Mon Mar 8 3:04:46 2010 |
| 1. what is your score
2. make sure all the items .. |
Mon Mar 8 11:13:52 2010 |
| Easier said than done.
I have had my own .. |
Mon Mar 8 11:12:34 2010 |
| Larry check the state law to see if they can come .. |
Sat Mar 6 6:02:11 2010 |
| All negative items stay up to 7yrs
With BK it .. |
Sat Mar 6 5:59:55 2010 |
| Congratulations .. |
Sat Mar 6 11:14:17 2010 |
| they post instantly
as soon as their is .. |
Sat Mar 6 11:13:25 2010 |
| John - I didn't say if it was proper or .. |
Wed Mar 3 2:46:05 2010 |
| NEVER had I saw a closed account come back on .. |
Wed Mar 3 2:30:27 2010 |
| Consumer reporting agencies must correct or .. |
Wed Mar 3 2:21:13 2010 |
| jveenstra it CLEARLY states this when you are .. |
Wed Mar 3 2:18:04 2010 |
| "You can not get it removed unless the car .. |
Wed Mar 3 2:06:41 2010 |
| "So do I understand this correctly, they .. |
Wed Mar 3 12:32:11 2010 |
| Work directly with the credit bureau since they .. |
Mon Mar 1 8:58:57 2010 |
| Jing - I would apply to rent IMMEDIATELY so you .. |
Mon Mar 1 8:57:39 2010 |
| it depends on what you're planning to do
for .. |
Mon Mar 1 8:55:28 2010 |
| it automatically drops off after the 7yrs from .. |
Mon Mar 1 8:52:31 2010 |
| Yes but there are other factors like down payment .. |
Sun Feb 28 12:38:23 2010 |
| It will depend on the state
Some states allow .. |
Sun Feb 28 12:36:08 2010 |
| Always do things in writing!
If you speak to .. |
Sun Feb 28 12:32:47 2010 |
| Another thing to look at is that creditors may .. |
Sun Feb 28 12:29:53 2010 |
| Always use the credit scoring system that the .. |
Sun Feb 28 12:28:09 2010 |
| not sure why you can't pull all 3....did you get .. |
Tue Feb 23 10:28:03 2010 |
| They can put a lien on the home if the person is .. |
Sat Feb 20 8:39:57 2010 |
| with FHA i believe it's now 3yrs you would have .. |
Thu Feb 18 10:24:08 2010 |
| not saying you will but there's a high .. |
Thu Feb 18 10:22:21 2010 |
| your agreement would be with the collection .. |
Wed Feb 17 2:02:26 2010 |
| best way would be to negotiate a pay for .. |
Wed Feb 17 1:55:48 2010 |
| you can also pay for deletion
remember...if .. |
Wed Feb 17 12:32:21 2010 |
| your ins should cover it but you will need to .. |
Wed Feb 17 12:29:35 2010 |
| clay - getting the 2nd account removed or updated .. |
Wed Feb 17 12:27:30 2010 |
| 1. when you personally guarantee something it's .. |
Wed Feb 17 12:25:28 2010 |
| it will depend...if you can do a debt .. |
Wed Feb 17 12:22:17 2010 |
| It all depends on the lender.
I would find .. |
Mon Feb 15 8:36:40 2010 |
| Most government mortgage programs have great .. |
Mon Feb 15 8:08:22 2010 |
| You should check to see if they still have HUD .. |
Mon Feb 15 8:06:37 2010 |
| Thank you Quindir for stopping by
We are a .. |
Mon Feb 15 8:00:13 2010 |
| George is correct...and it will also depend on .. |
Sat Feb 13 6:47:16 2010 |
| Is the account satisfied .. |
Fri Feb 12 10:17:23 2010 |
| Once the information is resolved with the credit .. |
Sun Feb 7 10:43:02 2010 |
| they drop off 7 years after the . you can hire .. |
Sun Feb 7 11:52:34 2010 |
| It's important...they look at the score among .. |
Sun Feb 7 11:49:09 2010 |
| Sounds pretty simple but there are many other .. |
Sun Feb 7 11:47:12 2010 |
| any judgment won against you can put a lien on .. |
Sat Feb 6 6:40:06 2010 |
| No, but you should always ask your accountant. .. |
Sat Feb 6 6:38:10 2010 |
| ask your attorney for a copy of the credit report .. |
Sat Feb 6 6:36:38 2010 |
| a chargeoff/collection can only stay for 7years .. |
Fri Feb 5 1:50:09 2010 |
| homestead is for taxes
Having a will or trust .. |
Fri Feb 5 1:47:51 2010 |
| try cityfinancial. i know they were big on that. .. |
Wed Feb 3 7:20:23 2010 |
| They should not be doing this, and I believe it's .. |
Wed Feb 3 7:30:30 2010 |
| normally if the house is going to foreclose they .. |
Tue Feb 2 8:03:16 2010 |
| I have seen points increase as much as 90 points .. |
Tue Feb 2 10:01:40 2010 |
| Statute of Limitations - each state has their .. |
Mon Feb 1 6:36:31 2010 |
| Remember that credit cards have a line that says .. |
Mon Feb 1 3:21:57 2010 |
| just make sure they report it in the end. having .. |
Mon Feb 1 3:16:49 2010 |
| Sorry to hear about your troubles but .. |
Mon Feb 1 3:08:34 2010 |
| You should talk to a credit consultant or an .. |
Mon Feb 1 3:06:34 2010 |
| Private money which is very expensive. Would also .. |
Sun Jan 31 4:06:53 2010 |
| Steven - i wouldn't see why you couldn't do that. .. |
Sun Jan 31 4:03:57 2010 |
| Last straw - hard to say. Were you dealing with a .. |
Sun Jan 31 4:02:22 2010 |
| willy - it will hurt BUT if they show that you .. |
Sat Jan 30 10:18:50 2010 |
| safemba is correct. Unless it's a lien or .. |
Fri Jan 29 10:55:05 2010 |
| Stephanie - it doesnt sound legal but you will .. |
Fri Jan 29 10:52:22 2010 |
| I agree with George
You need to find out what .. |
Fri Jan 29 10:49:26 2010 |
| It will depend on the state. In some states, the .. |
Fri Jan 29 10:47:42 2010 |
| You will need to speak to an attorney and/or .. |
Fri Jan 29 10:45:22 2010 |
| Have you spoken to an attorney or title .. |
Thu Jan 28 1:33:44 2010 |
| sorry was replying to james. .. |
Thu Jan 28 10:05:29 2010 |
| credit guidelines for a VA are very similar to an .. |
Wed Jan 27 7:48:18 2010 |
| yep...also known as universal default clause .. |
Wed Jan 27 7:46:47 2010 |
| i thought payment history was #1
either way .. |
Wed Jan 27 7:44:50 2010 |
| Speak to your BK attorney
See if you can .. |
Mon Jan 25 10:04:02 2010 |
| mooom a question like that will more than likely .. |
Sat Jan 23 7:36:15 2010 |
| I would ask a real estate attorney in NY
Some .. |
Fri Jan 22 9:31:53 2010 |
| and if there are 2 borrowers the lender will use .. |
Fri Jan 22 9:04:46 2010 |
| FHA should be 12months from paying the chapter .. |
Fri Jan 22 9:02:08 2010 |
| Bank of America had a Secure credit card....99 .. |
Fri Jan 22 9:00:22 2010 |
| With FHA a score may not matter as it would to a .. |
Fri Jan 22 8:58:19 2010 |
| Equifax and Transunion (in my experience) has .. |
Fri Jan 22 8:56:13 2010 |
| old post but answering it so others may learn .. |
Fri Jan 22 8:53:49 2010 |
| If you're an authorized user then you shouldn't .. |
Fri Jan 22 8:49:41 2010 |
| more than likely ALL lenders will use FICO. I .. |
Fri Jan 22 8:42:25 2010 |
| Good Morning and Welcome to MortgageFit!
John .. |
Wed Dec 24 8:50:24 2008 |
| Good Morning PeteUtah and welcome to .. |
Wed Dec 24 8:47:35 2008 |
| Good Morning Duduong and Welcome to .. |
Wed Dec 24 8:44:13 2008 |
| Good Morning and Welcome to Mortgagefit!
You .. |
Wed Dec 24 8:39:44 2008 |
| Good Morning Wondering and welcome to .. |
Wed Dec 24 8:03:55 2008 |
| Good Afternoon Blak
Shopping prematurely can .. |
Thu Dec 11 12:33:41 2008 |
| Good Afternoon WendPerry
you will need to do a .. |
Thu Dec 11 12:26:53 2008 |
| i would like to cashout 23.79 + what Sam has .. |
Wed Dec 10 3:58:38 2008 |
| wow you guys are making some big .. |
Tue Dec 9 8:12:19 2008 |
| Welcome to MortgageFit!
If you're currently in .. |
Tue Dec 2 6:30:01 2008 |
| Hi owenkorkie, and welcome to Mortgagefit!
I .. |
Tue Dec 2 6:23:49 2008 |
| Welcome to Mortgagefit Goporderonline!
You can .. |
Tue Dec 2 6:20:44 2008 |
| Hi Kimmy...welcome back!
That is correct that .. |
Tue Dec 2 6:09:53 2008 |
| The terms are guaranteed if you the borrower .. |
Sun Nov 30 10:40:19 2008 |
| Mr White you can visit the local county office to .. |
Sat Nov 29 1:24:43 2008 |
| Will the bank foreclose on it Nobody knows but we .. |
Sat Nov 29 1:22:18 2008 |
| Hi fregreer, and welcome to Mortgagefit!
It's .. |
Sat Nov 29 1:10:35 2008 |
| Hi mooreferree, and welcome to .. |
Sat Nov 29 1:06:49 2008 |
| I would check with a local real estate attorney .. |
Sat Nov 29 1:05:17 2008 |
| Yes they can foreclose on the house....but it .. |
Sat Nov 29 1:02:59 2008 |
| I believe FC is now 60 months.
I would checkout .. |
Sat Nov 29 1:00:51 2008 |
| Hi msbattlingboop..welcome to .. |
Sat Nov 29 12:57:36 2008 |
| try to find a lender that does FHA loans for .. |
Sat Nov 29 12:54:19 2008 |
| I would find out if you can 'assume' the .. |
Sat Nov 29 12:52:44 2008 |
| Are you speaking about the benefits of the 2% .. |
Sat Nov 29 12:48:52 2008 |
| With the late payments...and the .. |
Tue Oct 28 6:57:33 2008 |
| Good Evening Madeline and welcome to .. |
Tue Oct 28 6:09:29 2008 |
| Good Evening Rinkydink and welcome to .. |
Tue Oct 28 6:06:46 2008 |
| Hi Sprisock ...and welcome to .. |
Tue Oct 28 6:04:57 2008 |
| wow I have a long way to .. |
Thu Oct 23 6:16:59 2008 |
| I would try to refinance immediately. The debt .. |
Mon Oct 20 6:23:51 2008 |
| Hi susie83185
I hope we answered your question .. |
Mon Oct 20 6:20:33 2008 |
| Hi susie83185 and welcome to Mortgagefit!
VA .. |
Mon Oct 20 6:08:36 2008 |
| Hi moakhdipped and welcome to MortgageFit!
FHA .. |
Mon Oct 20 6:04:59 2008 |
| Hi blak6764 and welcome to MortgageFit!
They .. |
Mon Oct 20 5:59:49 2008 |
| Hi Cindy welcome to our Forum!
There are many .. |
Wed Sep 24 6:59:50 2008 |
| Cindy Welcome to Mortgagefit!
If you're not .. |
Wed Sep 24 1:16:36 2008 |
| Hi tqmshop1, Welcome to Mortgagefit!
It's .. |
Tue Sep 23 6:27:20 2008 |
| Hi Daisy welcome to MortgageFit!
I would .. |
Tue Sep 23 6:24:26 2008 |
| Most mortgages have an accelerated clause that .. |
Tue Sep 23 6:20:03 2008 |
| Most lenders view 720 as the highest credit score .. |
Tue Sep 23 6:18:13 2008 |
| Hi Yvonne and Welcome!
You should ask your .. |
Tue Sep 23 6:12:37 2008 |
| Hi Vfletcher...Welcome to Mortgagefit.
This .. |
Mon Sep 15 11:32:23 2008 |
| Hi and welcome to Mortgagefit!
I would .. |
Sat Sep 13 8:04:41 2008 |
| Hi Michael...Welcome to MortgageFit.
Lenders .. |
Fri Sep 12 6:00:17 2008 |
| The attorney will explain in detail or go line by .. |
Wed Sep 10 6:39:06 2008 |
| Hi Warren welcome to mortgagefit!
Can you .. |
Wed Sep 10 6:35:06 2008 |
| Welcome to our forum swanneesue,
To answer .. |
Tue Sep 9 5:43:14 2008 |
| I would recommend that you negotiate with your .. |
Tue Sep 9 5:38:32 2008 |
| It will benefit you if you make on time .. |
Tue Sep 9 5:36:22 2008 |
| FHA loans will help you avoid HIGH PMI costs if .. |
Tue Sep 9 5:32:22 2008 |
| It depends on what type of bankruptcy it .. |
Tue Sep 9 5:29:12 2008 |
| That is correct. Anything over a 720 is .. |
Sat Aug 23 10:06:37 2008 |
| You can get approved by FHA BUT FHA has a few .. |
Sat Aug 23 10:03:59 2008 |
| You should find out what is the Statute of .. |
Thu Jul 31 7:24:10 2008 |
| Welcome to MortgageFit forum,
It depends on .. |
Wed Jul 30 9:33:59 2008 |
| Removing items MAY help you AND may HURT your .. |
Wed Jul 30 9:28:08 2008 |
| Actually, BK isn't the single worst thing that .. |
Wed Jul 16 6:56:07 2008 |
| I need to come here more often.
I like the .. |
Thu Jul 3 6:02:08 2008 |
| You can try FHA but they are strict on recent .. |
Thu Jul 3 5:59:14 2008 |
| Have you tried with FHA
You can't have any .. |
Thu Jul 3 5:55:52 2008 |
| Is there a reason why they asked for a survey .. |
Thu Jul 3 5:52:37 2008 |
| I have never heard of PMI payments fluctuating. .. |
Tue Jul 1 10:30:24 2008 |
| a lot of credit cards are notorious for removing .. |
Tue Jul 1 10:26:01 2008 |
| I'm speaking of experience, and from what the .. |
Tue Jul 1 10:23:46 2008 |
| 3.329 points I wonder if they're hitting Section .. |
Mon Jun 30 7:09:03 2008 |
| Brian, I would also look at your signature. .. |
Mon Jun 30 7:06:21 2008 |
| You can get them from a local title company or .. |
Mon Jun 30 7:00:59 2008 |
| Opting out WILL NOT increase your credit .. |
Mon Jun 30 6:59:09 2008 |
| don't do anything w/out the loan officer's .. |
Sat Jun 21 9:33:45 2008 |
| You will need to show proof that it was included. .. |
Sat Jun 21 8:47:43 2008 |
| Hard Collection Companies .. |
Sat Jun 21 8:15:33 2008 |
| It also varies on what their starting rate .. |
Sat Jun 21 8:04:40 2008 |
| It happened in the last months
The 1 Year LIBOR .. |
Sat Jun 21 7:54:58 2008 |
| All judgements have to paid off for most types of .. |
Sat Jun 21 7:45:07 2008 |
| It depends on the lender you're working with. .. |
Sat Jun 21 8:16:52 2008 |
| if she's not on the mortgage then it will not .. |
Tue Jun 3 4:58:12 2008 |
| depends on the state you live in.
you will need .. |
Tue Jun 3 4:54:22 2008 |
| with mortgages and auto loans, you will have a .. |
Wed May 28 9:33:14 2008 |
| you guys are raking in the big .. |
Thu May 22 7:28:37 2008 |
| they normally use the numbers on your credit .. |
Thu May 22 7:08:08 2008 |
| Hey guys let's stay on topic. Unrelated posts .. |
Thu May 22 6:59:41 2008 |
| I would recommend to stay away from .. |
Mon Apr 28 8:04:36 2008 |
| that is a longterm goal. You wont get a huge .. |
Mon Apr 28 7:55:46 2008 |
| it is that easy...I'm writing from .. |
Mon Apr 28 7:08:19 2008 |
| Larry is correct
Hard pulls are when YOU give .. |
Sat Apr 26 6:50:05 2008 |
| you're allowed to shop around for 30days from the .. |
Fri Apr 25 6:37:46 2008 |
| paying it off will restart the SOL, but rememer .. |
Thu Apr 17 6:56:04 2008 |
| it shouldnt show up on your credit history if .. |
Fri Mar 28 12:10:07 2008 |
| with FHA you dont need a 600, but will need on .. |
Wed Mar 26 8:43:50 2008 |
| try creditcards.com
stay away from premier. I .. |
Wed Mar 26 7:16:52 2008 |
| always try to negotiate for the collection agency .. |
Wed Mar 26 7:15:40 2008 |
| find a broker who can do FHA and/or knows a .. |
Wed Mar 19 9:54:09 2008 |
| also, if your file requires a manual underwrite, .. |
Tue Mar 18 9:25:21 2008 |
| Conventional loans allow cashout refinancing up .. |
Tue Mar 18 9:11:28 2008 |
| brokers may find a lender that can go lower than .. |
Tue Mar 18 9:06:56 2008 |
| If you put 20% down, you are still required to .. |
Tue Mar 18 9:03:55 2008 |
| to clarify - the fha funding fee 1.5% is .. |
Tue Mar 18 9:02:12 2008 |
| On a FHA refinance you can roll everything into .. |
Tue Mar 18 9:01:28 2008 |
| it maybe in your sister's best interest to have .. |
Tue Mar 18 8:55:26 2008 |
| I foudn out by pricing it out with the lenders. I .. |
Mon Mar 17 7:02:54 2008 |
| be careful with services that were referred by a .. |
Sun Mar 16 3:01:55 2008 |
| once you close you will have 2 sheets for each .. |
Sat Mar 15 7:12:31 2008 |
| that's correct. it's called a 'cooling .. |
Sat Mar 15 7:05:04 2008 |
| let's hope they do. they normally send an email .. |
Sat Mar 15 7:03:59 2008 |
| not necessarily....if he was late then he was .. |
Sat Mar 15 6:25:08 2008 |
| FHA allows up to 97.75% rate/term financing or .. |
Sat Mar 15 3:28:11 2008 |
| to answer your question lol.....
most lenders .. |
Sat Mar 15 3:26:55 2008 |
| that sounds strange.
the first step should be .. |
Sat Mar 15 3:23:17 2008 |
| from my experience....the change in score was .. |
Sat Mar 15 3:19:09 2008 |
| builders will always offer the highest rate .. |
Sun Mar 9 3:41:45 2008 |
| depends on if you have similar names.
Why did .. |
Sat Mar 8 8:38:47 2008 |
| write your letters directly to Equifax, and ask .. |
Sat Mar 8 8:36:59 2008 |
| when you submit a full application ...CURRENTLY .. |
Fri Mar 7 4:10:02 2008 |
| whoever is on title can sell the house .. |
Tue Mar 4 2:48:48 2008 |
| some lenders MAY use the higher .. |
Fri Feb 29 4:12:59 2008 |
| 565 will be the score they .. |
Fri Feb 29 4:12:24 2008 |
| most lenders use the lower of the two middle .. |
Fri Feb 29 3:20:08 2008 |
| Try to raise the limit with your current .. |
Fri Feb 29 8:50:10 2008 |
| closing your oldest accounts may be one of the .. |
Fri Feb 29 8:48:19 2008 |
| Irwin Home Equity offered these loans before..not .. |
Tue Feb 26 10:58:22 2008 |
| No it doesnt, but you will need to show proof .. |
Tue Feb 26 10:56:56 2008 |
| FHA requires 3yrs before you can apply for an FHA .. |
Tue Feb 26 3:28:30 2008 |
| depends on the state, but you definitely need to .. |
Tue Feb 26 3:25:08 2008 |
| i had .. |
Tue Feb 26 3:23:16 2008 |
| if your name isn't on the title then the home .. |
Tue Feb 26 3:22:35 2008 |
| haven't had the opportunity with FHA secure .. |
Mon Feb 25 4:44:07 2008 |
| You can look into an FHA loan. they dont have a .. |
Mon Feb 25 4:41:38 2008 |
| FHA is a huge part of any loan officer's .. |
Sun Feb 24 4:16:47 2008 |
| the above posters give sound advice.
To answer .. |
Sun Feb 24 4:11:43 2008 |
| I'm not sure why anyone may consider an .. |
Sun Feb 24 4:02:45 2008 |
| http://www.mortgagefit.com/unitedstates/ will be .. |
Sun Feb 24 8:26:15 2008 |
| Lisa...the only way conforming is 'lower' in rate .. |
Sun Feb 24 8:25:17 2008 |
| It doesnt hurt your FICO score if you have low .. |
Sun Feb 24 8:23:36 2008 |
| FHA doesnt look at your score...but I would start .. |
Sat Feb 23 10:09:55 2008 |
| NACA doesnt look at credit scores. It's a long .. |
Sat Feb 23 9:37:50 2008 |
| basically, you're writing a letter to a .. |
Sat Feb 23 9:34:31 2008 |
| have you had a foreclosure in the last 3yrs
have .. |
Sat Feb 23 9:26:03 2008 |
| FHA rates are currently about .25-.375% lower .. |
Sat Feb 23 9:22:29 2008 |
| having a 'variety' of open tradelines is good. If .. |
Fri Feb 22 10:44:34 2008 |
| i received cashout! thanks .. |
Fri Feb 22 10:42:02 2008 |
| When you search for 'mortgage' on Google..you .. |
Fri Feb 22 10:36:52 2008 |
| Since when do PO Boxes accept certified .. |
Fri Feb 22 8:07:25 2008 |
| the entire credit line CAN be deleted IF you .. |
Fri Feb 22 8:04:39 2008 |
| it depends on your state laws. some states regard .. |
Fri Feb 22 7:56:32 2008 |
|
This is wrong, and I'm not sure if you're in .. |
Fri Feb 22 7:49:37 2008 |
| you guys talking about me
be careful or .. |
Thu Feb 21 11:50:47 2008 |
| I have heard that FICO is allowing 1 late payment .. |
Thu Feb 21 11:43:13 2008 |
| you can check here in a few .. |
Thu Feb 21 8:24:00 2008 |
| Thank you everyone who voted for .. |
Wed Feb 20 1:13:51 2008 |
| apply with a local broker and/or bank.
You will .. |
Wed Feb 20 1:12:55 2008 |
| There is no time limitation for FHA, but they .. |
Wed Feb 20 1:09:34 2008 |
| Sending the letter may be the only option to .. |
Wed Feb 20 1:05:48 2008 |
| Not having a diversified credit profile will hurt .. |
Wed Feb 20 1:01:59 2008 |
| Debit cards do not report to the credit report .. |
Wed Feb 20 12:54:56 2008 |
| A simple search on google for 'credit cards' can .. |
Wed Feb 20 12:47:51 2008 |
| Depends if the creditor is reporting this account .. |
Wed Feb 20 12:45:09 2008 |
| sounds like you're in a high cost area...which .. |
Tue Feb 19 11:01:54 2008 |
| all limits have increased to $271,050.
HUD has .. |
Tue Feb 19 9:03:16 2008 |
| thank you everyone.
george - did Sam ask you .. |
Thu Feb 14 8:38:52 2008 |
| Really depends on the loan to value....most .. |
Mon Jan 28 5:02:13 2008 |
| this week you should shop.
a lot of companies .. |
Mon Jan 28 10:31:12 2008 |
| thank you!
I didnt know this was .. |
Mon Jan 28 10:28:50 2008 |
| VA will be a good option......
You should .. |
Sun Jan 27 7:38:07 2008 |
| Fannie Mae has changed a lot of .. |
Sat Jan 26 6:08:24 2008 |
| when does the prepayment penalty end when did you .. |
Sat Jan 26 6:05:48 2008 |
| Depends on the value of the home.. (loan to .. |
Fri Jan 25 11:21:43 2008 |
| also, most lenders dont consider an 'origination .. |
Thu Jan 24 12:45:53 2008 |
| You might as well apply for a FHA loan.....their .. |
Thu Jan 24 12:42:36 2008 |
| there are other banks/lenders that can do .. |
Thu Jan 24 12:40:37 2008 |
| there are a lot of questions to be answered .. |
Thu Jan 24 12:37:54 2008 |
| leases have to be renewed or you will need to buy .. |
Wed Jan 23 10:42:08 2008 |
| Combo is a lot different than 1 loan. Maybe this .. |
Wed Jan 23 10:24:11 2008 |
| I saw 3 lenders so far that can do this.
I .. |
Wed Jan 23 9:23:18 2008 |
| hmmmm i didnt know they were giving away .. |
Wed Jan 23 7:04:57 2008 |
| are you going to provide full .. |
Wed Jan 23 7:00:09 2008 |
| what's the name of the .. |
Wed Jan 23 3:06:46 2008 |
| Umm there are NO Lenders that will give you 5.125 .. |
Wed Jan 23 11:58:56 2008 |
| Why dont you sell it and payoff your debts
BK .. |
Wed Jan 23 8:16:45 2008 |
| it's actually 1yr..and everything needs to be on .. |
Wed Jan 23 8:11:22 2008 |
| Okay I'm going to stop bickering with you as you .. |
Tue Jan 22 11:09:36 2008 |
| I dont release sources to my .. |
Tue Jan 22 10:29:03 2008 |
| no..because they will need to do a title search .. |
Tue Jan 22 6:35:52 2008 |
| sunnytimes - 30yr fixed mortgages are around .. |
Tue Jan 22 2:14:31 2008 |
| I will disclose at least 2 lender sources to any .. |
Tue Jan 22 1:39:18 2008 |
| Also, you need to watch what you write. Calling .. |
Tue Jan 22 10:32:45 2008 |
| I just checked on the 5/1 ARM I/O up to 1million .. |
Tue Jan 22 10:29:42 2008 |
| Lisa....of course it's possible.
5/1 Arm I/O .. |
Tue Jan 22 8:10:59 2008 |
| Hey sunnytimes....saw you on citydata.
Just a .. |
Mon Jan 21 7:48:47 2008 |
| It's called a Rehab loan. When you purchase a .. |
Sat Jan 19 10:45:00 2008 |
| They may qualify with FHA....the only way to find .. |
Sat Jan 19 10:43:08 2008 |
| What are the ratios that you have are you going .. |
Fri Jan 18 8:57:51 2008 |
| The problem will be finding a lender that will .. |
Fri Jan 18 8:56:33 2008 |
| Nobody here would know that answer to your .. |
Fri Jan 18 11:41:38 2008 |
| FHA may not be 'credit score' driven but they are .. |
Thu Jan 17 10:35:32 2008 |
| find yourself a local lender/broker. Banks always .. |
Thu Jan 17 10:32:45 2008 |
| You can try an ARM as their rates maybe lower .. |
Thu Jan 17 10:22:49 2008 |
| It really depends in the state that you're .. |
Thu Jan 17 10:19:33 2008 |
| best way is to buy it from him like you would buy .. |
Mon Jan 14 8:26:37 2008 |
| if you havent been late...then i would recommend .. |
Mon Jan 14 9:32:43 2008 |
| go to BofA they have no closing cost helocs that .. |
Sun Jan 13 6:16:47 2008 |
| wow just .. |
Sat Jan 12 10:13:57 2008 |
| if you open a business you can open a tax ein or .. |
Sat Jan 12 1:21:07 2008 |
| if you open a business account with bank of .. |
Fri Jan 11 7:06:19 2008 |
| 30days is plenty of time to bring up your credit .. |
Fri Jan 11 8:53:18 2008 |
| file a report with the FTC.
call experian .. |
Thu Jan 10 8:32:48 2008 |
| if there is only 1 agency...then you dont need to .. |
Thu Jan 10 8:25:03 2008 |
| try FHA or .. |
Thu Jan 10 8:22:25 2008 |
| Yeah for Donna. She is exactly right. When you .. |
Wed Jan 9 10:51:14 2008 |
| you're probably speaking of the Freeze on ARM .. |
Wed Jan 9 10:39:54 2008 |
| depends....if you're paid hourly they will .. |
Wed Jan 9 10:37:59 2008 |
| I thought they would do a title search...and the .. |
Wed Jan 9 11:46:43 2008 |
| Jheard - paying off a collection item is not .. |
Wed Jan 9 11:44:42 2008 |
| anyone who can do FHA can do this....you shouldnt .. |
Wed Jan 9 11:41:36 2008 |
| well do you think a bank is willing to give .. |
Tue Jan 8 3:09:29 2008 |
| Nah first I was laughing at the remark George .. |
Tue Jan 8 3:02:22 2008 |
| what is the value of the home and your credit .. |
Tue Jan 8 2:50:55 2008 |
| funny how they say removing legitimate items .. |
Tue Jan 8 2:45:06 2008 |
| a lot of ppl dont even know why derogatory items .. |
Tue Jan 8 2:43:22 2008 |
| wow...$1245 for an individual .. |
Tue Jan 8 1:49:50 2008 |
| well....working with your current lender maybe .. |
Tue Jan 8 1:46:28 2008 |
| it also matters if your 5.25% is an ARM or 30yr .. |
Tue Jan 8 1:41:39 2008 |
| Underwriters are always watching! beware .. |
Tue Jan 8 1:40:11 2008 |
| i would recommend a timeframe of paying....
not .. |
Tue Jan 8 10:15:41 2008 |
| that totally contradicts 605(c) which probably .. |
Tue Jan 8 9:28:05 2008 |
| Receiving cash gifts has nothing to do with the .. |
Mon Jan 7 7:56:09 2008 |
| Please read carefully as I stated 'Giving cash .. |
Mon Jan 7 7:45:47 2008 |
| The net amount of the sale price can be given as .. |
Mon Jan 7 3:09:18 2008 |
| MyCommunity are for teachers.
They can also look .. |
Mon Jan 7 1:34:09 2008 |
| It will not stay on your credit report for .. |
Mon Jan 7 1:32:28 2008 |
| Lee there are some options that can be .. |
Mon Jan 7 1:28:53 2008 |
| Shane...a lot of brokers/lenders only have a few .. |
Mon Jan 7 4:42:17 2008 |
| Rates will be a lot lower than .. |
Sun Jan 6 8:12:00 2008 |
| lately the FHA rates have been better than the .. |
Sun Jan 6 8:10:01 2008 |
| find yourself a local broker who can find you a .. |
Sat Jan 5 10:56:14 2008 |
| there are a lot of things to consider!
what is .. |
Wed Jan 2 1:23:08 2008 |
| Generally, when you're 5months behind...that's .. |
Wed Jan 2 10:48:06 2008 |
| Wyoming is an equitable distribution state, .. |
Wed Jan 2 10:43:33 2008 |
| not for a rate/term refinance......and also there .. |
Wed Jan 2 9:13:11 2008 |
| you should try FHA...they allow up to 95% cashout .. |
Sun Dec 30 6:02:28 2007 |
| PMI is for conventional/conforming .. |
Sun Dec 30 6:00:18 2007 |
| FHA requires 24months MINIMUM from the date of .. |
Sun Dec 30 5:57:36 2007 |
| well the rate is pretty good....most lenders can .. |
Sun Dec 30 5:55:06 2007 |
| look into FHA financing....they dont have a score .. |
Sun Dec 30 5:51:00 2007 |
| actually best business practice is to pay for .. |
Sun Dec 30 12:03:05 2007 |
| that only applies if they actually close the .. |
Sat Dec 29 9:25:42 2007 |
| Did your broker try FHA .. |
Sat Dec 29 3:02:03 2007 |
| unless you signed an agreement to pay whether the .. |
Sat Dec 29 3:00:25 2007 |
| OMG the 15 yr fixed...are at .. |
Sat Dec 29 2:53:49 2007 |
| Don't pay it! If it will pay your .. |
Thu Dec 27 6:27:02 2007 |
| I would go with the 6% or 6.125%.
Rates may .. |
Thu Dec 27 6:25:18 2007 |
| we have a lender list.....you should be able to .. |
Fri Dec 21 9:34:21 2007 |
| it is best to refinance the home....not for a .. |
Mon Dec 17 6:03:02 2007 |
| Maybe you have dealt with divorces Maybe you .. |
Mon Dec 17 10:09:36 2007 |
| maybe emphasis on the keyword will help everyone .. |
Mon Dec 17 10:01:45 2007 |
| if it's in the divorce agreement that she needs .. |
Sun Dec 16 11:35:45 2007 |
| depends on the lenders.
If you receive a .. |
Sun Dec 16 11:27:51 2007 |
| i was making a point. Disclosing every lender .. |
Thu Dec 6 8:45:16 2007 |
| that is not true...every lender may have their .. |
Thu Dec 6 7:06:03 2007 |
| There are MANY lenders that can do up to 65% DTI .. |
Tue Dec 4 4:40:35 2007 |
| the mortgage company that you were late with or .. |
Tue Dec 4 12:08:45 2007 |
| ask the broker.....it matters what his credit .. |
Tue Dec 4 9:40:09 2007 |
| it's up to the Underwriter.
the .. |
Tue Dec 4 9:08:34 2007 |
| Sounds like you did a short sale
That means that .. |
Mon Dec 3 3:17:32 2007 |
| depends what your credit report states about the .. |
Mon Dec 3 2:03:10 2007 |
| foz- i looked up the Foreclosure guidelines, and .. |
Mon Dec 3 12:56:02 2007 |
| I didnt say anything about collections or .. |
Mon Dec 3 12:33:43 2007 |
| OP -
Foreclosures require 2yrs for FHA....this .. |
Mon Dec 3 12:13:09 2007 |
| i was writing about the 'adjustment' rate....not .. |
Mon Dec 3 11:59:16 2007 |
| it depends on your loan amount...and what state .. |
Mon Dec 3 10:28:22 2007 |
| your state's commissioner of banks.
if it's a .. |
Mon Dec 3 10:24:26 2007 |
| wow that's a high rate!!!!
you shouldnt get .. |
Mon Dec 3 9:38:25 2007 |
| call your new lender....and research them online .. |
Mon Dec 3 9:30:17 2007 |
| one of the problems that arises with most FHA .. |
Mon Dec 3 9:29:10 2007 |
| well find out if your house insurance (hazard) .. |
Mon Dec 3 9:21:57 2007 |
| I would've gotten a 2nd opinion. If these items .. |
Mon Dec 3 9:16:03 2007 |
| First....find out what the Statute of Limitations .. |
Fri Nov 30 9:39:50 2007 |
| not sure what Jonny meant.......bank accounts are .. |
Fri Nov 30 9:32:30 2007 |
| you will need to speak to a financial .. |
Fri Nov 30 9:29:12 2007 |
| yes and no.
do you have 2.25% for a down .. |
Thu Nov 29 10:15:52 2007 |
| redemption period on a .. |
Thu Nov 29 10:13:15 2007 |
| I would never recommend going through the .. |
Wed Nov 28 8:54:23 2007 |
| It's not possible. ESPECIALLY if the market has .. |
Wed Nov 28 8:49:23 2007 |
| with Flex 100 you need a 620 to avoid High .. |
Wed Nov 28 2:13:46 2007 |
| If your husband files BK you may have to file .. |
Wed Nov 28 1:10:27 2007 |
| i think you're looking for the 203b FHA .. |
Wed Nov 28 1:03:16 2007 |
| Flex100 is a good program if all else .. |
Wed Nov 28 9:23:53 2007 |
| If you're not under contract then negotiate for .. |
Tue Nov 27 9:24:38 2007 |
| depends on what state you're in........if you're .. |
Tue Nov 27 9:19:13 2007 |
| Look for a 'due on sale' clause or acceleration .. |
Tue Nov 27 9:14:35 2007 |
| I use a processor that doesnt work for Carteret .. |
Tue Nov 27 9:09:46 2007 |
| most lenders wont allow this as a rate/term .. |
Tue Nov 27 9:08:08 2007 |
| try a broker...most banks or online lenders dont .. |
Tue Nov 27 9:04:35 2007 |
| just to be more specific.
you will need to .. |
Tue Nov 27 1:07:39 2007 |
| if there is a lis pendes then YES....make sure to .. |
Wed Nov 21 9:47:29 2007 |
| yep...but make sure there arent ANY current .. |
Wed Nov 21 9:05:50 2007 |
| there is a legal way of keeping her off the .. |
Tue Nov 20 7:42:57 2007 |
| any credit card will do a 'hard pull' whether .. |
Tue Nov 20 7:40:29 2007 |
| FHA doesnt allow stated .. |
Tue Nov 20 7:37:40 2007 |
| what they look at is how long the account has .. |
Mon Nov 19 8:04:14 2007 |
| depends on your state.
check to see if your .. |
Mon Nov 19 7:52:27 2007 |
| there arent many loans that will allow you to .. |
Mon Nov 19 7:50:13 2007 |
| you can do a quit claim deed to get her off .. |
Mon Nov 19 4:20:47 2007 |
| depends on your state.......in NC they just .. |
Mon Nov 19 4:19:03 2007 |
| depends on if it's an investment property....and .. |
Mon Nov 19 4:17:23 2007 |
| your lender will tell you when you're .. |
Mon Nov 19 4:16:16 2007 |
| Fozman...the statement from your lender can be .. |
Mon Nov 19 4:14:44 2007 |
| yep. they will foreclose on your home for the 2nd .. |
Sun Nov 18 11:56:28 2007 |
| Hi,
I have worked for Bank of America for .. |
Sat Nov 17 4:49:51 2007 |
| you can do FHA rate/term 97.75% or cash out up to .. |
Fri Nov 16 5:10:28 2007 |
| actually you can remove valid items from your .. |
Fri Nov 16 2:19:36 2007 |
| hey
cqrix2004......Please understand that i .. |
Fri Nov 16 1:27:11 2007 |
| no lender will refinance the home when your name .. |
Fri Nov 16 10:11:40 2007 |
| you need to sit down with a title company or .. |
Fri Nov 16 10:09:25 2007 |
| maybe there arent any laws...but lenders have .. |
Fri Nov 16 10:06:41 2007 |
| you may need a FHA lender that does manual .. |
Fri Nov 16 10:05:37 2007 |
| Hi,
Just joined ..I think yesterday .. |
Fri Nov 16 7:25:14 2007 |
| removing OLD accounts from your credit report .. |
Fri Nov 16 7:09:51 2007 |
| Once your lender starts short sale or foreclosure .. |
Fri Nov 16 6:56:00 2007 |
| the problem with refinancing is that your .. |
Fri Nov 16 6:52:03 2007 |
| find a lender that does FHA loans. You will get .. |
Fri Nov 16 6:47:20 2007 |
| try to see if you can come up with 2.25% as a .. |
Fri Nov 16 6:45:45 2007 |
| with FHA you will need to wait 2yrs from a .. |
Thu Nov 15 6:14:51 2007 |
| you can refinance with a FHA loan...and get at .. |
Thu Nov 15 6:11:26 2007 |
| depends on the state, and depends on what he's .. |
Thu Nov 15 6:09:21 2007 |
| Hi jay...you sound like a Loan Officer.
Taylor .. |
Thu Nov 15 6:03:01 2007 |
| try lookin at MyCommunity or HomePossible .. |
Thu Nov 15 5:42:41 2007 |
| with FHA you shouldnt get a rate higher than .. |
Thu Nov 15 12:00:21 2007 |
| Paying off an old collection item WILL hurt your .. |
Thu Nov 15 11:48:59 2007 |
| FHA Mortgage rates depend on the lender. If you .. |
Thu Nov 15 11:39:03 2007 |
| FHA Mortgage Loans is 1 yr for chapter 13...and .. |
Thu Nov 15 11:33:50 2007 |
| FHA Mortgage Loans guidelines are 2yrs for .. |
Thu Nov 15 11:08:28 2007 |
Jun-22-11
