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Mercy Croft
2 months ago
I am a 75 year old retiree. I have 1600 a month net income from social security and a small pension. I just got a credit score, because I recently took out a secured credit card. No FICO shows yet on experian, but creditkarma shows transunion 664 and equifax 670. I have no other credit cards or financing of any kind. The only alternative credit line I have would be my electric bill. All other bills are in my daughters name. I don't even have things like a gym membership or netflix account, so the only alternative credit line period is my electric bill. I have no debts on my credit history.

Does it sound like I can qualify, for either a FHA or USDA loan?
I am a 75 year old retiree. I have 1600 a month net income from social security and a small pension. I just got a credit score, because I recently took out a secured credit card. No FICO shows yet on experian, but creditkarma shows transunion... (more)
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Sheri Conrad
3 months ago
Lender did not get two appraisals for flipped home. The second appraisal was done after closing and it was 24,000 less than the first appraisal, thus we were not able to negotiate another asking price. This also violates the 90 flip rule with FHA. The bank is claiming we refused a third appraisal which makes no sense. We have been asking for one for the past six months, and the bank ignored us until I reported them. I have written to consumer affairs who turned it over to FDIC and they said I have to file a complaint against the appraisers. Why is the bank allowed to get away with this?
Lender did not get two appraisals for flipped home. The second appraisal was done after closing and it was 24,000 less than the first appraisal, thus we were not able to negotiate another asking price. This also violates the 90 flip rule with FHA. ... (more)
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52k
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Matthew Hall... Asked 1 more question
a year ago
My home value has risen enough within the last year to where what I owe is 80% of the current value of the home according to the county appraisal. I am still a long way off from 80% of the original purchase value. Is it possible to remove the MIP based on the current value of the home?
My home value has risen enough within the last year to where what I owe is 80% of the current value of the home according to the county appraisal. I am still a long way off from 80% of the original purchase value. Is it possible to remove the MIP... (more)
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5.0k
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Ryan Teodoro... Asked 1 more question
a year ago
I was wondering if a score of 800 was good enough to secure a loan, and if so, what kind of APR can I expect?
I was wondering if a score of 800 was good enough to secure a loan, and if so, what kind of APR can I expect?
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1.2k
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3
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A Curious User
2 years ago
My husband died from a service connected disability and I'm currently looking to purchase a home. I want to know if I am eligible to use his VA home loan benefits.
My husband died from a service connected disability and I'm currently looking to purchase a home. I want to know if I am eligible to use his VA home loan benefits.
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846
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A Curious User
2 years ago
My wife and I are interested in purchasing a condo unit we have had our eyes on for some time. We want to know if a website exists with up to date information to see if the condominium complex is VA approved.
My wife and I are interested in purchasing a condo unit we have had our eyes on for some time. We want to know if a website exists with up to date information to see if the condominium complex is VA approved.
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41k
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A Curious User
2 years ago
My husband and I got overloaded on debt and had to file Chapter 13 bankruptcy. What do the FHA guidelines say about our ability to get this kind of mortgage to buy a home?
My husband and I got overloaded on debt and had to file Chapter 13 bankruptcy. What do the FHA guidelines say about our ability to get this kind of mortgage to buy a home?
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3.7k
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6
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A Curious User
2 years ago
We've saved up some money over the last year and want to move into a home using the FHA loan. We want to know how much is required for the down payment.
We've saved up some money over the last year and want to move into a home using the FHA loan. We want to know how much is required for the down payment.
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A Curious User
2 years ago
I obtained an FHA loan from the Federal Housing Administration in 2010 and recently inherited some money from my dad’s estate. It's enough to pay off my mortgage loan and I would like to know what the guidelines are pertaining to any prepayment penalties.
I obtained an FHA loan from the Federal Housing Administration in 2010 and recently inherited some money from my dad’s estate. It's enough to pay off my mortgage loan and I would like to know what the guidelines are pertaining to any prepayment... (more)
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7.2k
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A Curious User
2 years ago
I used by VA home loan eligibility on a home purchase back in the 80’s. I paid as agreed and the house was paid off years ago. I want to purchase another home utilizing my VA eligibility again and wanted to know how to do this.
I used by VA home loan eligibility on a home purchase back in the 80’s. I paid as agreed and the house was paid off years ago. I want to purchase another home utilizing my VA eligibility again and wanted to know how to do this.
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