Past credit problems, mortgage?

Deal Score0

Hello, My husband and I find him credit problems a few years ago we tried to restore our credit. We have financed a car and no late payments. Its mine is located low midscore 600 -. 500 We would like to buy a house. Is there someone that you help us get a mortgage? We live in South Carolina and our annual income in the $ 50. Thank you for all Information.Wir are in Aiken SC. Thank you for all Hilfe.Hallo may, I received an offer from a lender for a loan and the tree is in the details, please tell me? Loan1 80/20 combo. Bureau meeting $ 80,000 Rate 6.25 “2 / 28” ARMLaufzeit 30 years of expenses: $ 492.57 2nd Official Rate Mtg 17500 9.60000038146973 “balloon 30/20 (S)” Run-time payment of 30 $ 148.43 year $ 641.00 deposit that I put in quotes, what I do not. Thank you

  1. Reply
    February 6, 2011 at 3:58 pm

    I’m getting out of the same boat. My mortgage co. said to up our score without getting into more debt. just have someone who has a credit card and makes payments on time put you on their card as an authorized user. This will not affect them at all. But when they report to the bureau, they will report you have a card with ontime payments. But make sure they pay on time! For this you don’t even need their card # or anything, you are just “piggy backing” from them. My mortgage co. said, by doing this, your score can go up by 125 pts! Its worth looking into.

  2. Reply
    February 6, 2011 at 4:21 pm

    Qualifying with a 600 is really easy, even for zero-down loans. Sumit your info to,, or Lenders will call you directly. Be sure to list your credit rating as being Fair or you will have lenders calling you that can’t help you (a lot of them require a 680+ for zero down.)

    If your husband makes the most money, they will base the rate on his score, not yours.

    This is what I like to call a no-brainer loan 🙂

  3. Reply
    February 6, 2011 at 5:02 pm

    where at in sc? i may know a lender who can help!

  4. Reply
    February 6, 2011 at 5:44 pm

    I am only licensed in Ohio, so I can’t do the loan but I can offer unbiased advice.

    If you were in Ohio, I’d already be at your house getting you pre-approved. You can do a 100% loan (no money down) with his score.

    I would definitely work with a reputable mortgage broker in the area, one with a spotless Better Business Bureau record (this may be hard to find, but they’re out there).

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