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Trying to get a home loan?

Trying to get a home loan?

My husband and i are trying to get a home loan, he has poor credit and i have a score of 649. He def can’t get a loan so i’m thinking about applying by myself. The prob is…. I am a stay at home mom, my husband makes great money but has bad credit, i have decent credi but make no money, if i apply by myself can i put his income on the application? we also would only be putting around 10 grand down on a 190,000 house

Related :


“”Any secrets to paying off a $20,000 car loan or trading it in on something cheaper?””
I bought a new car about a year ago…. Im having trouble now with making my payments and insurance for it. Can I go to a dealership and trade it in on a cheaper car. I realize i will have to take a loss but Im willing to sacrafice up to $5000 on it just to get out of the insurace and payments. If i can lose $5000 on it and then buy a $3000-$5000 car, and only be paying on a $10,000 loan instead of $20000 and have cheaper insurance, it is deffinatly worth it to me!!!””
“”
How should I handle this collection account with regards to my bankruptcy?
I filed bankruptcy last month and I just received a copy of the petition filed with the court. On it is a collection agency that I believe is handling one of my old account. My issue is that I had the original creditor (Premier Bankcard), collection agency that is listed on my credit report (Arrow Financial), the agency listed on my petition (Tate & Kirlin), and lastly I received a letter On behalf of Arrow””””””
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How much do you have to payback on unsecured debts with filing a Chapter 13?
Were thinking about filing bankruptcy and doing a Chapter 13. Only because our 2nd mortgage sent us to collections for the full amount. Right now we pay $650 a month in credit card fees. Someone told me yesterday that my repayment plan would be much higher that that. Is that true? I thought I would only have to pay up to 15% back in the unsecured debt. Do any of you have the answer? What is the point in filing Chapter13 with a higher payment? I can barely make it right now, in fact we can’t make it.””
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Is This Legal After You File Bankruptcy?
3 1/2 yrs. ago I filed bankruptcy chapter 7. I was going under from medical bills. Everything was discharged. I recently went to go back to college because of the economy. The college I had attended was one of the creditors that I filed bankruptcy against for $750. It was discharged, like I stated, & none of my creditors ever showed up at the bankruptcy hearing. Now the college told me they won’t release my transcripts unless I pay off the $750. I told them & showed them my bankruptcy papers & discharge letter. They said that doesn’t matter they want their money. I thought that that is one of the wonderful things about our country that we can, when very hard times come, make use of this law. Shouldn’t that $750 since it was discharged be as if it had not existed? I have paid a high price for having filed bankruptcy & should not have to continue to be treated like dirt. How can they take a Federal Law like Bankruptcy Chapter 7 & then put their own spin on it? It isn’t like I just didn’t want to pay them back then. What should I do & what can be done? Thank you for you time.””
“”
Credit report? Is it worth a second opinion?
I have a subscription to view my credit report unlimited from Credit Expert. Would it be worth my while getting a copy of the report that Equifax holds as well? or will they both just contain the same information/score? I realise that different lenders will calculate a different score etc, so I am just looking for an insight as to whether it might be worth my while getting a second opinion, to see what other lenders may view?””
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“”In your opinion, which is the best credit card and why?

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Is 3.9% on a 6 year car loan for 12000 a good interest rate or should I shop around and where?
I already been to my own bank and they wanted 5.8%. Should I just be happy with the 3.9??? It’s a brand new Mazda 3 i touring.
“”
“”Closing costs and down payment on a $55,000 mortgage?””
With a mortgage of $55,000 what would I need to put down as a first time home buyer? Also can someone please detail closing costs for me? I am new to home ownership and looking for any info I can gather on the amount I need to put down for a mortgage this size.””
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Are Payday Loans usually credit-based or do you just need proof of income & a bank account?

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Where is the best place to get a auto loan?
I need 5000 to get a auto loan. I dont have any credit. I only had my credit card for about 4 months. I pay it off every month which is like 250 a month usually. My father will co-sign but his credit is not good. I have a car but for resons being I need a new one so where should I go to get a loan. My bank is Chase.. My credit union is Telcom
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Help! I’m upside down in my auto loan!?
I have a 2003 Nissan Pathfinder, and I owe roughly twice as much as kbb.com tells me it’s worth (as a trade-in). With gas prices, the insurance, and the note I’m sinking QUICKLY. What’s the smartest way for me to offload this SUV and get into something smaller without losing a lot more money? I’ve put it in the paper, and have a sign in it, but no takers. No one wants a SUV right now because of the gas prices. But I can’t just keep it, it’s killing my financial situation. HELP!””
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How do i get a truly free credit report?

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#repost

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How can I get a free/very cheap credit report?
I know that freecreditreport.com is the one that comes to mind, but I heard it actually costs a pretty penny… also, what information do you need for a credit check? Just social security number?””
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#repost

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What happens if my mortgage company failed to record my deed?
My mortgage company informed me they did not file the deed and wants me to record it. Am I required to have the deed recorded? What happens if i don’t record it?
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Where can I find out my credit score?
Oh, that’s not my SSN, that’s 827–19–1928"”
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Need to get a Free credit report?
Hi can anyone please tell me where one may go to recive a FREE credit report?? I am told that there is a way to do this. But every where i try they want money.. Experian turned me down from geting a credit card.. now that i want to get my report on line to ess it, they want money.. It is suposed to be one free on.. please if someone can send me w web site that i can recive this,i would be so greatful.. Thanks.””
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What band won for free credit report.com?
We all know the first band was the best and always will be but who won
“”
How can I protect my car from bankruptcy?
My car is already paid off. It is probably worth close to $5000. This is the only asset I have. It there any loopholes so I can protect my car from being taken away by the trustee? I will be filing bankruptcy in Nevada.
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What web site can i go to to get guaranteed approval for an auto loan with bad credit i have no down payment?
i would like to have a truck but my credit will not let me. i don’t have a down payment but figured if i could get pre-approval before i go to a dealership this would help me a lot thanks in advance for your help.
“”
How do banks calculate proportions of principal and interest in each mortgage payment?
The beginning is always a ratio where interests is much larger than principal (20% principal, 80% interest) so a $1000 payment only $200 goes towards paying down the loan. But how do banks do that? just using fancy computers?””
“”
Anyone in the mood for a tricky math question?
Adriana wishes to take out an installment loan to finance the purchase of a sailplane costing $51,600. Her loan requires a 30% down payment and equal monthly payments of $1,557.25 for 42 months. What is the amount of the finance charge on this loan? Choose one answer. a. $25,695.27 b. $43,580.64 c. $29,284.50 d. $48,350.00"”
“”
I have a wells fargo auto loan and I signed up for the secondary insurance. Anyone know the name and number?

“Trying to get a home loan?

My husband and i are trying to get a home loan, he has poor credit and i have a score of 649. He def can’t get a loan so i’m thinking about applying by myself. The prob is…. I am a stay at home mom, my husband makes great money but has bad credit, i have decent credi but make no money, if i apply by myself can i put his income on the application? we also would only be putting around 10 grand down on a 190,000 house


#repost

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Community College or ITT Tech Institute?
I am planning to take a drafting and designing course next semester. I am confused about which school should I go: the Community College or the ITT Tech Institute. One of my friends told me that an associate degree in computer networking will guarantee me a job. What do you think? Will there be any demand for a drafting and design associate degree any real soon. My skills are more towards drafting and designing,but I need a job soon too. Please help with suggestions. Thanks in advance!””
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Should you put dashes between your credit card number when buying something online?

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Can I get a paypal loan?

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CreditReport.com is a scam?
They say on their website you will get your free credit report and if you cancel your card withing 7 days then they won’t charge it. First of all, after I gave them my card information, and logged in their site, the free credit report was not available at all, I had to pay, so I called to cancel and the lady said that it will be useful for me to spend the $29.00 to get my credit report and I told her, no, thank you, please cancel me, after about five minutes with her on the phone, she wouldn’t want to cancel me, and finally she told me she canceled me. Tonite, all of a sudden, I get charged $12 by them, and this upset me a lot. I got an email, and when I try to call them, to ask them why they are charging me they’re closed. They are a scam, please stay away from them. I got my credit score for free from all three credit agencies from another complany called Free Score. If I would have known they are a scam I wouldn’t have given them my card number. Now I will have to cancel my card completely, I don’t trust them at all. Ana””
“”
Bad credit?
how many late payments and how many things does it take to get bad credit? im 20 and have been late on 4 of my loan payments but only late once on my credit card? im really worried
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I Need a good Auto loan site or finaicial business for i can get a car im 19 no credit.?
I just need some help with this navy fed declined me becuz my parents have too much credit, our insurance declined me becuz i have no credit, i dont want a credit card. USEFUL comments can help please. those who say save up i dont wanna hear that i need the car public transportation isnt a option here. go to college and wait to get a car i dont wanna hear that! how will i get there. PLEASE USEFUL COMMENTS PLEASE! I have no credit!””
“”
How to do credit checks?
I want to let a house and all letting agencies does credit checks. And as they do that they tell me that none details comes up so i am not able to rent a house. I would like to do it my self, does anyone know how to do it? P.S. its not something you check with your bank.””
“”
Is there a way to get free health care in California?
I havent been to the doctor in 2 years, and I know if I get hurt I’ll have a medical bankruptcy. Any ideas how to get free medical insurance?””
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#repost

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#repost

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How can we fix our credit score?

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#repost

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Florida Bankruptcy?
I hold a second mortgage on a primary residence of someone that is declaring bankruptcy. What happens to my mortgage when the file the bankruptcy?? The house is also in forclosure by the third mortgage holder.
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Anyone know about the google online jobs? has any of you tried this?
is this some sort of scam?
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Student loan v.s auto loan?
if i own a lot student loan, is it possible for me to get an auto loan? maybe $8000 i’m 21 in college. i still have a year to go.””
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How do i get my free credit report with out using a credit card?

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“”How to delete credit card info from iTunes? (no none”””” option!!)?””””””
I went on my computer, I clicked account””””””
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Can I still get a home loan if i get a auto loan?
i want to get a auto loan but my moms friend said if i get an auto loan i wont be able to get a home loan. is this true?
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#repost

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“”Does anyone know of any good Bankruptcy Lawyers in Boise, Idaho?””
I’m wanting to file bankruptcy, but I’m not sure about any lawyers. I was hoping that maybe there is one that had a free consultation. Thanks. :)””
“”
What is the best way to prevent identity theft?
There are various services (I think Lifelock is one) that supposedly make it impossible for you to be a victim in the first place. How reliable are these places? How do they prevent identity theft? What is the best service to use? Also, there is a section on the credit report, that shows all credit cards you have had going back years. Do these eventually get wiped off your record (they all have $0.00 balances)?””
“Trying to get a home loan?

My husband and i are trying to get a home loan, he has poor credit and i have a score of 649. He def can’t get a loan so i’m thinking about applying by myself. The prob is…. I am a stay at home mom, my husband makes great money but has bad credit, i have decent credi but make no money, if i apply by myself can i put his income on the application? we also would only be putting around 10 grand down on a 190,000 house


Personal Loan-Bad Credit after BKRPTCY?
I filed bankruptcy and it was discharged 1 year ago. I have the letter, my transunion score is 499 , who will finance a personal loan for me? Any suggestions….””
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Where can you get a lone for a car i ur credit is not the best?
i already bought a 08 mustang and its payed off but now we wanted a jeep and we bought a house last year and they said its becouse i havent had my credit cards over 3 years or somthing like that
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Credit Score 641. Can I get approved for Auto Loan?
My credit score is 641 and my car motor finally gave out. I am looking at getting a used vehicle in the 13–15000 dollar range. I am wanting to trade in my old car which is only worth around 500 or so with the motor not working. I have 3 accounts open currently with one paid off as of 2 months ago and the other two going to be paid off within the next 6 months. (davids bridal, zales, farmers furniture). I applied for an auto loan about 2 months ago from Capital One Auto Finance but was declined online. Thats when i did a credit check myself and got the 641 score and that my credit history is 2 and half years old. What are my chances that I can get approved for any type of auto loan?””
“”
Quicken Loans — I’m considering doing a home loan with Quicken Loans. Any experiences?
I’m looking to buy my first home and I came across Quicken Loans. Has anyone had any experiences with Quicken — positive or negative?
“”
Are there any good honest credit card companies?
I know it’s probably an oxymoron but are there any credit card companies that don’t try to rip people off? My mom got ripped off by Chase credit card company. A check scam! I have Citibank and I’m pleased with them.
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Chapter 7 Bankruptcy Question?
Hello everyone. I wanted to ask a question about Chapter 7 BK. If anyone knows the answer to this question, I would greatly appreciate it. Well, I am filing for Chapter 7 BK, and I just recently filed my taxes( after I filed an extension). My attorney told me that if I file right now, then I would have to surrender my tax refund($5000) to the trustees. However, If I wait till I receive the tax refund and then spend it, then file for Chapter 7 BK, that I would no longer be liable to hand over my tax refund because I got it before I filed for BK. I know that I should trust him because he is the BK attorney, but it just sounds kind of weird. The last thing I want to happen is that I spend the tax refund and the judge tell me that I have to give the tax refund to the trustee. If anyone has knowledge on this topic, can you let me know? Thanks!””
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Auto Loan Question with Foreclosure?
I have plumbing issues and need extra money. We have a car that is paid off.. my wife has decent credit, I have a foreclosure on mine… what are our odds of getting a personal loan with our car as equity? We are only looking for $5–6,000, and have a 2009 Town and Country paid off…””
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Mortgage questions. when I make a mortgage payment online there is a place to pay more money tward the princi?
curse: does that payment have to be in one chunk or just paied through out the year to add up to an extra payment?
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What does ‘subprime’ mortgage crisis mean….?
I’m not in the US but read about this a lot. Can anyone explain the term ‘subprime’ in simple terms?
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Can Anyone Help Me With This?
I’m not sure if this is where I should be asking this question, but here it goes. My fiancee and I are trying to buy a car. He does not have a license, but he works and I stay home with our baby. So, I have student loans and no income. He can’t buy a car because he has no license and he can’t get insurance. Our credit is in the process of being repaired, so it isn’t the greatest. So, my actual question is: Does anyone know how we can get an auto loan? The dealership was going to charge us 18% interest!!!””
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Natwest student credit card cash advance?
Hi, I have a natwest student credit card, with a 500 credit limit, and on the website for the card it says Your Student Credit Card gives you access to 250 each day””
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“”What can you pay your mortgage with, money order, checking account?

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Payday loan lender are nothing more than loan sharks aren’t they ?
Payday loan lenders are nothing more than loan sharks. They offer loans to the desperate and needy at huge interest rates. I’m amazed that payday loans are even legal here in the UK
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How to solve my financial problems? i am having so many debts.?
i have lots of debts all over and i don’t have financial capability to solve it. i think my solution just commit …
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How does credit card interest work?
Its pretty sad that I don’t know considering I have a credit card…HOWEVER.. I pay the entire thing in full the day after I use the thing.. I know sounds wierd.. But whenever I use it, I make sure I have the money before hand, and just pay it off with the money right after so I build up my credit.. However, my friend has the exact same card as me (A student credit card with an 18.5 interest rate)… And she has the thing charged up to $900.. and she can only pay about $100 a month. My question is, does she pay whatever her amount, times 18.5 EVERY MONTH.? so.. If she owes $900 at the end of this month, and she pays off $100, making her total 800.. would she be charged $144 in interest, and then next month her total balance due is $944?””
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What can I do to increase my score as a student who needs student loans?
But how can I maintain or increase my credit score while continuing my college?
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Does applying for a credit card affect your credit?
I’m reffering to the store credit cards that they give you a free gift for applying.
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Is using a fake credit card illegal?
Well i am 14 and i found this web sight that talks about the luhn formula”””” for forming valid credit cards. I thought that it was a ton of bull and tried it. To be honest””
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Does the Capital One credit card have an inactivity fee?
I got a better credit card but would like to hang onto my capital one card for emergencies. If I keep this card in my wallet will I get screwed for not using it?
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How is the auto loan interest rate?

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“”Karen has been approved for a $175,000 home loan from ABC Mortgage company. They will be charging her 2 points?
How much will the points add to her cost of the loan? A) $1750 B) $7000 C) $3500 D) none of these
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How do we get this old auto loan sent to collections resolved? Ex-wife had the car and stopped paying.?
My long time boyfriend got an auto loan on a car for his ex-wife because she had needed a car for the children””””. This was like 8–10 years ago. Well””
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What happens after you complete your Chapter 13 bankruptcy plan?
I have made 31 payments to my trustee and have only 5 payments left. What happens when it is paid.
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How do I get my free annual credit report. I need the site that is free and does not offer trial membershipsc
The one that offers once a year your credit report.
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What qualifications do you have to have to recieve the Emerald advance credit from H & R block?
On the H & R block website it doesnt say anything but that you need a paystub and drivers license. It doesnt say how you qualify.
“Trying to get a home loan?

My husband and i are trying to get a home loan, he has poor credit and i have a score of 649. He def can’t get a loan so i’m thinking about applying by myself. The prob is…. I am a stay at home mom, my husband makes great money but has bad credit, i have decent credi but make no money, if i apply by myself can i put his income on the application? we also would only be putting around 10 grand down on a 190,000 house

My husband and i are trying to get a home loan, he has poor credit and i have a score of 649. He def can’t get a loan so i’m thinking about applying by myself. The prob is…. I am a stay at home mom, my husband makes great money but has bad credit, i have decent credi but make no money, if i apply by myself can i put his income on the application? we also would only be putting around 10 grand down on a 190,000 house

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