What lenders offer zero mortgage?

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I do not have enough deposit. Yes, I know it better, but I do not have and desperately need to buy my house. I am responsible and pay my bills on time, my credit is good for my average score is 692, my debt to income ratio is 36%. I want to get a loan to try to do first time buyers krediiti.Tänan for answers. 🙂 Maybe you heard my question … Please read the first sentence and does not comply unless you can advise me on some of the lenders who provide loans at zero at the house … That’s why I put my küsimus.Lisaks debt to income ratio is not high and you are ridiculous to say, yes, my loan officer told me today that my debt to income has been perfect, and if it should be … After a thorough investigation, this site will explain it so that you can understand: you http://www.investopedia.com/articles/07/debt_to_income.aspLisaks limit disrespectful, saying that my debt to income ratio is “very high, “then ask yourself before shooting off your mouth. I’m curious to know now, what is yours then! Sorry to go on a tangent, I just want to know which lenders offer zero down RAHASTAMINE.Tead what, I asked a simple question F’n. Seriously! I never submitted additional information b / c it is the biggest F’n bother me, the real question. I’m not an idiot. I’m quite capable. My bf and I bought their first house credit score worse than now, and I got an excellent rate of 07 “, so we do not have problems to save money … In fact, j ‘I prefer the money and set aside. I’m only a very small investment to buy less than 80k. You’re so full of yourself that you prefer to answer questions such as the telephone operator that F’n hate his work and quotes from policy to thwart people. I’m not a request for time with you I came to Yahoo answers to receive credit counseling is not the answer F’n support group! !! I already own a house !!!!!!!!!! !!!!!!!!!!! I have 5 years and all my bf’s name, so I can buy their first home. Do not answer if you can not Anser QUESTION !!!!!!!!!!!!!!!!!!

  1. Reply
    Peter B
    February 6, 2011 at 3:26 pm

    At the moment, few lenders are willing to give 100% mortgages.

    But despite your good credit score, I think you’ll have a hard time convincing lenders that you can afford much of a mortgage – your current debt to income ratio is extremely high, esp. when a mortgage is not supposed to be much more than around 25% of your income.

  2. Reply
    February 6, 2011 at 4:09 pm

    Your debt to income ratio is extremally high, there is no possible way you would qualify for more debt, you are already maxed out.

  3. Reply
    February 6, 2011 at 5:06 pm

    A 692 mid score is not considered good credit in the mortgage industry so you will definitely have to put a big chunk of change down. If you do not put more than 20% down, then you must also get mortgage insurance. You have to not only pay that, but you will need to pay for homeowners insurance, heating, electric, etc… Please make sure that you have enough to cover all of this. With a DTI of 36%, you really don’t have any wiggle room. I think you should probably wait a few years until you bring your DTI down and save more than 20% to put down on the house. Good luck!

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