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christinehynes · Posted: Mon Oct 05, 2009 5:42 pm Post subject: fha streamline

i have worked with chris burns and he is right, he can help you.

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i have done everything that people suggested i have tried but nobody seems to be able to help no lenders local can help, its a manufactured house and i guess lenders are not lending and we have bad credit i am not working now and we are finding it hard What about doing a modification how should i approach the bofa with this desperate please can you help

adonis · Posted: Tue Oct 13, 2009 9:34 pm Post subject:

Welcome cheffiona,

You have mentioned that you have a bad credit. It may be one of reasons for lenders not approving you for a loan. In today's market, lenders have stopped giving loans to people with bad credit. you would require a minimum of 720-740 in order to get a conventional loan.

You should write a hardship letter to the lender and apply for a loan modification with your lender. He will judge your situation and depending upon that he would accept your request. However, you've mentioned that you're not working now. In that case, I doubt whether or not you would get a mortgage modification.

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i have bad credit and need to refi