How long can I get a mortgage?

Deal Score0

Bank of letting owners. today invites us to leave. It is estimated that the house is $ 740,000 owed to the Bank for estates less than $ 400,000 PGA National marlwood. help! How long until the expulsion and approval or its 10000 33418 shair06atyahoodotcom Cuffy wpbf-cuffyscandal we do not quit claimed the house again for another name to look for USA! Scams THANKS!
We must first close the loan in February we sell our house and the repayment of our debt is based on sales. Does it increase our score? Would it be better to pay the credit card (we each have two, with the balance of $ 1400. Or wear two bank loans (a car and one of consolidation loans)?

  1. Reply
    Jordan B
    February 9, 2011 at 12:40 pm

    please do not go with the two above you, they are scam just look them up in any searc engines. There are a few places that can refinance for you, I dont know your credit situation, if you are far in debt, file bankruptcy.. it will put a hold on anyone taking the property from you, you can do CH 13 and do a payment plan, or if you are really far in dbet Ch7 and do a reaffirment agreement kind of like a fresh start. Otherwise try the banks, if you have ok credit or a co-signer it wont take too long. I know my sister and her husband got approved in less then a week. Good luck to you

  2. Reply
    Hally D
    February 9, 2011 at 1:01 pm


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  3. Reply
    In love 4ever
    February 9, 2011 at 1:57 pm

    that is a good question…..maybe you should talk to your bank they can help you with that!

  4. Reply
    February 9, 2011 at 1:59 pm

    To raise your credit score you need to pay off some loans. My step dad is kinda in the same boat expect he is looking to buy a building for personal use. He had to pay off some loans and his credit card dept. Then the bank told him not to use his credit cards until after he gets the building. Well hope this helps.

  5. Reply
    February 9, 2011 at 2:49 pm

    you need to close all your revolving accounts. they are accounts that may be a zero balance, but you can use at anytime, such as credit cards, sears, jc penny ect. go on line and pull up your credit, and see how many you have. there may be some you didnt even realize you still had. call the company of the credit card and close it. it will automatically show on your credit score. revolving credit is the worse thing on your credit score.

  6. Reply
    February 9, 2011 at 3:26 pm

    Pay down all your credit to 1/3 of the open balance, if possible. Don’t close the accounts, just pay down. Don’t pay off charge offs, it wont effect your credit score. Don’t close open account w/ out balances. They raise your credit scores. Its all based on ratio of credit available to credit used.
    Hold of on new credit as inquiries can adversely effect your score.

  7. Reply
    Bret S
    February 9, 2011 at 4:04 pm

    One thing to remember if/when you pay stuff off (mainly credit cards) is even if you pay a card of so you have $ 0.00 outstanding that cad will still be looked at as potential debt, so say you have a $ 5000 limit & you pay off the $ 1400 you still have the ability to get $ 5000 more in debt after the home stuff goes through.
    If you have more than 2 or 3 credit cards consider closing them so it will not be seen as potential debt, if not then pay them off & lower the credit limits to say $ 1000, Even at 680 it’s a pretty good score so even a few months after the home stuff happens yopu can have the limit raised back up again.
    That may help a bit. Also remember the places that report your credit only do so about once a month so even if anything does change you may not see any change for 30-60 days.
    Oh and dont pay anything late, miss payments etc

    In addition:
    Due to the two silly fools below me I guess I should mention I work for the 2nd largest bank in the world.
    Keeping multiple empty card open is of no help in any way at all. It just show you can get in more debt as soon as you like & that does not look good for credit. As for raising the credit limit well thats just stupid for this persons situation. Not only will you then get more enquiries on you credit report (another bad thing) but it then shows you can get into even more debt.

  8. Reply
    February 9, 2011 at 4:08 pm

    don’t close 0 balence credit cards. that person is wrong. if u show u have paid those then that is a good thing.

  9. Reply
    Lindsey M
    February 9, 2011 at 5:07 pm

    you should keep old credit cards open once you have paid them off, use them sparingly and pay bills right away. This shows creditors that you have kept an account open for a long period of time. Just don’t have high balances on them.

  10. Reply
    February 9, 2011 at 5:44 pm

    also, ask your credit card companies for a raise in credit limit, this will help your ratios.

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