Trying for a home this year. Have a lot of work to do, help.
We're going to be applying on my wife's credit, as she is the primary & sole income earner. Details. Credit card: Capital One, 5-10$ / 500$ - 9 months old, No late payments. Always under 10%...
View ArticleRate Locked!
First, thank you to everyone I have learned from by reading and asking questions on these forums. This is a huge deal to me because about a year ago, I didn't think it was possible. Through a ton of...
View ArticleVA loan with CO
I'm looking to get a pre-qual for a VA loan in the next couple months,My FICO8 scores are 703 TU; 689 EXP and 689 EQX well above the recommended score for VA loans.I don't have any open collections or...
View ArticleHow to Handle Business Credit Card Not On Report
That is the question. In sig, Amex SimplyCash. Only business card so far. Due to the way cash back is delivered, I let the previous months charges report, then pay off the entire statement balance....
View ArticleQuestion about loan to value
I realize that the less you put down the more difficult it is to qulalify. But what if I just want 20% percent of value?Home is worth 500,000 and I need to borrow 100,000. My income is low but credit...
View ArticleNew credit lines and its affect on mortgage approval
I am planning to get a mortgage at some point in the next 9-12 months (or more as needed) As I start to look into my credit and work on building it up, I am wondering how long I should plan to wait...
View ArticleMortgage Sold???
Went to pay my 1st mortgage payment tonight with Trustmark and it wouldn't go through. It said to please call as there was a problem with my account. Well they're closed so I was gonna call...
View ArticleAdvice
I am hoping to purchase a home in the next few months. I'll have 3-5% downpayment. I cant seem to get my credit score up above 600, even though everything is paid on time. Car dealer pulled my credit...
View ArticleMortgage refinance is next on my to-do list
Hey folks...Now that I have gotten my auto loans refinanced to a good rate, the mortgage is next. Since my loan was modified 3 times it's now a 40 year term at 6.75%. My goal is to take at least 20...
View ArticleT-Mobile Issues - Pre-approval
I am trying to buy a house and am in process with pre-approval in hand and am having an awful experience with T-Mobile and need some guidance. I had an account with T-Mobile for years but after moving...
View ArticleGuess what I did on Friday?
Closed on our first home…Contract signed 12/29 closed 1/29…Absolutely smooth process thanks to everything that I have learned on this site, I had all my ducks in a row…Two years ago I was sitting on a...
View ArticleAnyone deal with a 1099-C form
Trying to short sale a "underwater" condo and wondering what to expect from a 1099-C form Thanks
View ArticleClosing!
Well, today is the day! WE ARE CLOSING ON OUR FIRST HOME! Closing is scheduled for 4 p.m., PST. I cannot believe how quick and easy this process has been! From signing our contract on January 6th to...
View ArticleAnyone have issues with Quicken credit scores?
I just did the steps to see where I stood with a mortage with Quicken. I went through everything then the agent that pulled what he called my Trimerge report said I had no score. How is that possible?...
View ArticlePre-qualification or Pre-approval NOW or wait another month or two?
My spouse and I want to buy a house in the next 3-4 months or so and have just started working with a real estate agent who recommends we get prequalified or preapproved now. (Not many houses on the...
View ArticlePrivate Student Loan Charge-Off/Collection
I have a private student loan of approximately $45K that is reporting as a charge off/collection. The DOFD is June 2012 and SOL will expire around Jan 1, 2017 (includes additional 6 months due to Ch7...
View ArticleShort Sale Waiting period?
We had a short sale and underwiting flagged it because we are only at the 3 year mark. We went to contract last year (sept) but had a delayed closing (feb 2016). When we went to contract we were...
View ArticleSo lost now with BK on house and forecloser process
Its been two years since I filed for my Bankrupcy which included a house. This Feburary with be my 2 year discharge date so i called a Loan compnay to talk about what my options were since i am...
View ArticleCould I qualify? VA home loan
1. Mortgage Credit Scores:637 EQ, 665 TU, 654 EXP2. Credit Negatives: Type: Two charge offs, Two 30 day late car paymentsStatus: All paidDOFD: 05/11 for the charge offs and 01/11 and 05/12 for the car...
View ArticleQuestion regarding credit pull
Hi all, I'm getting closer to my closing date on my new home build and my lender is ready to pull my credit again. She's willing to wait a few days if there is anything that I want to make sure is...
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