i thought our credit was really bad but we found out today that the worst thing we have is actually not on there yet and may not be on there for a while ( we owe our old apartment complex about 2000 from when we had to break the lease to help my parents out…( we couldnt live there and afford to help them s we moved in with them and now i am ready to get the he(( out…lol) we may have a few little things on there like a month of bills not paid yet (i dont know if its been reported yet but when we get our tax return we are going to pay them…) what i want to know is how can i go about getting a loan to buy a house, i dont care about the percentage rate and were not looking for a huge loan (under 100,000) i just want to be able to get the lowest monthly payment possible ( and i know the percentage rate affects that, but i still dont care about that part…) any info on a home loan or anything pertaining to it…
(we curently have a car loan through gmac we are paying on )
I have been a mortgage broker for 5 years and my specialty is people with less than perfect credit, from what you are saying, it all depends on your scores. But I suggest is that you do not pull your crdit on line and to find a broker. If they are good they will pull your credit once and try to match you with the right lender for your needs.
i need help with some info about getting a mortgage…?
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YOU CHECK OUT THIS LENDER CALLED MATRIX lENDING IT’S IN CALIFORNIA THAT’S WHO I’M GOING THROUGH NOW AND MY FRIENDS WERE REAL LUCKY WITH THEM THEY HAVE A NICE HOME
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1. Where are you from and looking to buy?
2. How much money do you plan on putting down on a new home (if any)?
3. How long do you plan on living in the purchased property?
4. What is a.) your credit score, b.) your monthly income, c) your montly debt
5. How much can you afford per month on a loan? If minimum payment is your main concern, I can help you get into either an interest only or a negative amortization loan.
I am a professional Mortgage Planner in California and I would be glad to help you out. Just send me an email or message me on Yahoo!
-Jason
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Get yourself to your favorite bank and talk to a loan officer. They are in the business of lending money and will be able to tell you whatever you need to know. Before you do that, do some paperwork: draw up a balance sheet showing your assets and liabilities (include everything — it’s a crime to leave anything out) and an operating statement — your revenues and expenditures for the past year. Estimates are okay as long as the totals give you a correct net revenue after expenses. Take these with you to the bank.
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I have been a mortgage broker for 5 years and my specialty is people with less than perfect credit, from what you are saying, it all depends on your scores. But I suggest is that you do not pull your crdit on line and to find a broker. If they are good they will pull your credit once and try to match you with the right lender for your needs.
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Experience
If we pull your credit and it is this information is not on there it will not be a factor in buying your new house. Also there are many 100% purchase programs for buying home down to a 580 credit score.
Matt
http://www.diversifiedlender.com
http://www.homemortgageminnesota.com/
http://www.refinance-second-mortgage.biz
http://www.minnesota-mortgage-rates.net
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Try e-loan You can use this link http://www.kqzyfj.com/click-2177451-10427742 and fill out an application.
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