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Tagged with: credit
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Mercy Croft
15 days 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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Galen Quace
3 months ago
My DTI WITH the new house is like 27%

Will FHA cover a loan for this amount?
My DTI WITH the new house is like 27%

Will FHA cover a loan for this amount?
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115
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M D
4 months ago
Looking into maybe purchasing a small foreclosure for 15,000. We will have 3,000 to put down. Would need a loan for like 13,500. Do they do loans that small? In the process of building up our credit. It's in the 550-580 range. Hoping to be approved somewhere. Have excellent reliable income. We are first time home buyer's.
Looking into maybe purchasing a small foreclosure for 15,000. We will have 3,000 to put down. Would need a loan for like 13,500. Do they do loans that small? In the process of building up our credit. It's in the 550-580 range. Hoping to be... (more)
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145
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Christina Azucena
4 months ago
We are trying to purchase a home, our credit needs some seriour work, we currently rent the home we live in and really want to buy it what ways can we use my mother in law to help she has her own home, but wants to help us out without the 20 percent second home craziness we keep getting thanks
We are trying to purchase a home, our credit needs some seriour work, we currently rent the home we live in and really want to buy it what ways can we use my mother in law to help she has her own home, but wants to help us out without the 20 percent... (more)
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Joyce Waller
5 months ago
Credit score around 475, bankruptcy discharge November 2016 need help raising credit score.
Credit score around 475, bankruptcy discharge November 2016 need help raising credit score.
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272
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James Ross
6 months ago
We filed a chapter 7, lost a home in foreclosure but maintained a home we could afford. It's been 4.5 years and we were approved for an FHA loan based on our re established credit, stable jobs, good income and no debts at all. Lender says FHA is all we can do and that PMI is required. Ok we find it to be worth it, but no one can tell me how long we will have to pay the PMI? When can we get it removed, and will we have to refi to remove it? If that is true how long?
We filed a chapter 7, lost a home in foreclosure but maintained a home we could afford. It's been 4.5 years and we were approved for an FHA loan based on our re established credit, stable jobs, good income and no debts at all. Lender says FHA... (more)
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deb miller
6 months ago
I am pre-approved for an FHA first time home buyer.
I have made and offer and acceptance on a home.
FHA has done the appraisal.
FHA has done the final inspection.
My income, rent and credit reports and employment have been verified.
Paperwork has been sent to underwriter.
I am pre-approved for an FHA first time home buyer.
I have made and offer and acceptance on a home.
FHA has done the appraisal.
FHA has done the final inspection.
My income, rent and credit reports and employment have been verified.
Paperwork has... (more)
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140
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Giles Benson
7 months ago
Is there an FHA program called Credit Advantage?
Is there an FHA program called Credit Advantage?
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355
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Delicia Mattox
9 months ago
My credit is not great-like 650, but my fiance's credit is stellar-over 800. He has very little debt and I have a lot. We are wondering if it's better for him to apply for a loan and get the house before we get married, or do we have the option of having only one spouse apply after we are married? We live in MN.
My credit is not great-like 650, but my fiance's credit is stellar-over 800. He has very little debt and I have a lot. We are wondering if it's better for him to apply for a loan and get the house before we get married, or do we have the... (more)
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A Curious User
10 months ago
I'm 44, so I have credit history for the years prior, but I did file bankruptcy 3 years ago. My credit score is 693, and I have no debt except for student loans which I won't have to start paying on till June of this year. Does anyone know if I'll be able to qualify for an FHA loan? I'll have around $5,000 down.
I'm 44, so I have credit history for the years prior, but I did file bankruptcy 3 years ago. My credit score is 693, and I have no debt except for student loans which I won't have to start paying on till June of this year. Does anyone know if... (more)
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