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shawn mcdonough
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Subject: home equity loan
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Fri Aug 31, 2007 4:42 pm
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| looking for home equity loan have a score of 525 can this be done |
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marie
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Subject: home equity loan
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Mon Sep 24, 2007 1:47 am
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| I am looking for a home equity loan, my credit score it 500 and I am 30 past due on my mortgage payment. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Mon Sep 24, 2007 4:11 am
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Marie, I can only give you suggestions here. Considering your score a home equity loan will be a little tough. Usually the lowest score accepted is 540 however do not lose hope. There are lenders who grant loans at 500 as well. Do not secure a loan from a traditional mortgage lender. Approach a high risk or sub prime lender to avoid higher rates.
If you are employed then problems will be less because when asked for tax returs or W2's you will be able to supply the sme. That might be asked for.
_________________
Regards,
Laura. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sat Nov 03, 2007 9:31 pm
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| What ever you do tell them you want a fixed rate, I have seen so many people around here falling for the predatory lenders that will lend and then the payment goes through the roof and they end up losing their homes, please becareful, these predatory lenders will make their product sound like the best thing since peanut butter. Make sure you look at the fine print and don't make a decision out of desperation. |
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SunDevilsFan
Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 189
Location: Sunny Arizona
6612 Magic Points
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Wed Nov 14, 2007 6:00 am
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I realize this question was asked over two months ago. But, I am just wondering what the loan is for...
Is it for consolidating all unsecured debt? Home improvement? Just curious... |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Thu Nov 15, 2007 2:35 am
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I don't know that the original person who asked the question is coming back. I did not realize that the question was two months old or I would not have responded to it, I better start looking at the dates on the postings huh.
I did want to mention the fixed rates for others to read, I see alot of folks getting screwed with the varible rate. That would drive me crazy never knowing what my payment would be. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Thu Nov 15, 2007 3:57 am
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Fixed rate is good. The variable rate rising due to market conditions is a huge blow on our pocket, anyway we are paying more on interest. Good I would speak for fixed rate.
Variable rate can be opted for but for a short time. Any opinion on that? Can we switch from a variable rate to a fixed one in the middle of the term?
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Regards,
Laura. |
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Stellina99
Joined: 29 Jan 2009
Stellina99's page
Posts: 3
148 Magic Points
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Subject: Bad Credit Home Equity Loan
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Tue Feb 17, 2009 4:59 am
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Hi,
I also looking a home equity loan and I think fixed rate is also good.
Snoreta
Finance Loans |
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SIA
Joined: 18 Oct 2009
SIA's page
Posts: 57
46 Magic Points
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Thu Oct 22, 2009 6:01 pm
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| With a 525 score, the probability of securing a Government loan (FHA or VA) is next to zero. The best that you can hope for is a sub-prime loan, with a high rate, costs, and a prepayment penalty. I agree with the previous posts that your best bet is to determine the causes of your low score, and go about fixing them, before you buy a home. Unless you are getting a smoking deal on a house that you just can't pass up, it is better to wait. |
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SIFY FINANCE
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Subject: SAY NO TO YOUR FINANCIAL STRES
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Sun Nov 08, 2009 11:53 pm
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Best Regard
Sify Finance Company. |
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Archie
Joined: 09 Nov 2009
Archie's page
Posts: 38
2 Magic Points
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Sun Nov 22, 2009 12:38 pm
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Of course you want to do good things to get that score up, but the truth is, you probably CAN get a mortgage - but the rate and term will not be as good as if your score is higher...
Try to reduce your expenses and use your income to pay stuff off to get that score up. |
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Anderson12
Joined: 19 Jan 2010
Anderson12's page
Posts: 4
40 Magic Points
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Subject: Payday loans
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Tue Jan 19, 2010 9:05 am
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| HI, Are you in need of home loans? Then apply for payday loans today. |
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