I am living in my family home which is the remaining part of my mother\\\’s estate. This home was left to myself and 3 siblings. One of which is giving me his share in the property. I need to obtqain a mortgage for $29,000 to purchase the remainder from my sisters. However, my credit rating is only fair(around600). Is there anything I can do to obtain a mortgage?:

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qui

If we are in the beginning of a short sale process for our current home. We are both employed and until this have had credit scores in the 700s, but due to increasing medical bills are forced to short sale. How soon can we apply for a new, more affordable, mortgage for a Maryland home? Given today’s economy, are there any lenders that will take our income and previous credit history into consideration even though we’ve had to do a short sale?
In New Castle Delaware I observed new houses on Realtor.com for 157000 and 179000. How much of a difference would the monthly mortgage payment be for a no down payment loan. I have been repairing my credit by sending letters to the 3 different credit bureaus. I owe nothing but student loans but there were other things on my report that should not have been there. I would like to to move before next year if possible. I can be contacted at 2676223107. If it is ok I would rather pull my credit report and fax it to you.Thanks,Linda Hill-Roberts
I am interested in having a property financed I would either like to use HPAP or DC Bond program for down payment and closing. I already have a signed contract and deposit. Purchase Price $63,000 Mortgage $41,000 with HPAP – Last Tax assessed at $150,000 – Last Appraisal $63,000 you can reach me at 202-427-4324 Laura Alleva or allevalaura@yahoo.com

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Answer #1

With such a small loan amount, you will most likely want to contact a larger Bank. Mortgage companies that strictly work mortgages, will probably not give you the best service because of the amount. Stinks.. but usually the reality.

You definitely want to talk with an experienced Loan Officer to put this together and see how you will qualify, given this situation. Add to it your low credit scores, sounds like it might be a challenge.

You're not that far off from good credit land… If you can, pay off any outstanding judgments, liens, or collections. Make sure you are paying ALL liabilities on time EVERY month. In the meantime, talk with this Loan Officer and his/her recommended Title Company. It is important you talk through this purchase with the Title co.'s attorney to discuss strategy & the best way to buy out your sisters.

You have a lot of work on your hands. Take care of your credit in the meantime to increase your chances of qualifying and making this happen. Good Luck

Answered By: choicefinance.net Level Rating

124points

Answer #2

The answer above is a pretty solid one. Most banks and lenders are 640 and above for loans. And most banks again don't even make loans that small. I do disagree on one part. I think you might get better service from a small lender and or a credit union. Someone local in your neck of the woods. You might get lost in the shuffle with a big bank. First get someone that can do the loan and then check and see how they can improve the credit scores. It may not be that difficult. Take a look at

http://www.examiner.com/residential-real-estate-i…

This will get you started and it's free. Beware of companies that want money to fix your credit. Hope this helps and please let us know how it works out.

Answered By: Level Rating

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