About the Credit Reporting Agencies

Experian is one of the largest credit bureaus. It provides various reports and scores, credit monitoring, and identity theft protection services.

TransUnion: Some other products that complement credit reporting include monitoring one’s credit or identity on this platform.

Equifax: This includes providing…

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I will be quick to lay out my situation, and I am curious if there are any FHA Manual Underwriters who can do loans in Phoenix, AZ. I’m still working with my broker now but it’s been several months and

still no closing. I’ve refinanced FHA in the past with no issues, and this time, it almost feels like the banks are not approving these…

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IS 12 MONTHS CANCELED CHECKS REQUIRED TO QUALIFY FOR A MORTGAGE? Is there a faster way of getting rid of the record of debt settlement on your credit report? Is achieving a 700 PLUS FICO credit score possible one year after a bankruptcy discharge?

Is it easy to qualify for lender credit and/or seller concession to pay for closing costs?

Is there really a 4th reporting credit agency?

Is Home Inspection Recommended?

How long does the licensing process usually take?

What rates should I expect and how long will it take to close and what do I need to show for getting approved for Non-QM loan for a house (Sale Price $680 K)

* My Mortgage Scores are 720+

* Last year gross business income $853K

* Business Checking has over $150K

* Self Employed since 2007 running the same company.

Live in Missouri and if my bankruptcy is dismissed how long do I have to wait to get a cash out refinance?

Renting a home for two years, the owner decided to sell to me via notice to vacate. I have bad credit, owe taxes and zero for a down payment. What are my options in Michigan.

On 4 UNIT Owner Occupied FHA loan. Can rental income of this 4 unit be used to reduce the Mortgage Payment.

We live in NC and filed a Chapter 7 bankruptcy on our business, and a Chapter 11 on the personal side after COVID closed our business. Both my husband and I had upper 700’s for credit before. Ch11 was confirmed on Feb ’21, and the final decree was issued on 11/12/21. We have a home mortgage

and HELOC, as well as our SBA loan debt…

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Can I get an MLO licensed in TEXAS if I have a collection in my credit report and a letter saying well Fargo is suing me?

I’m thinking about buying a house, I wanna check my credit score online. What is a reliable place to check it? Do you guys have any free tools online?

The price of houses in Miami has been increasing rapidly, some are priced higher than prehousing market crashes a few years back. Should a buyer wait a little longer to see where this trend is heading?

Are you in a spot where you have to make some important financial decisions concerning your home? Is it better to do a big remodeling of your home before you put it on the market and increase the asking price or just leave it as is and ask for a lower price?

Am I potentially able to obtain a mortgage at this time while I am nearing the end of my Chapter 13 Bankruptcy repayment and will get discharged in six months? Or do I need to wait 2 years from the date of discharge of my Chapter 13?

Are non-QM loans hard money loans? What is the difference between NON-QM Loans vs Hard Money Loans?

FHA streamline with credit score in the low 500’s, is it possible? I have an excellent mortgage payment history.

When you are considering a remodel or renovation of your home then you must weigh the options. What will it cost ? How will you pay for it? How much will the remodel improve the property? What is the property value before you begin the remodel? What will the property value be after the renovation/remodel is completed? These are good…

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Impact Of Credit Card Balance On Credit Scores

PROS AND CONS ON BUYING VERSUS RENTING A HOME

Can I buy a new house in TN? With FHA, are the concessions paid by the owner tax deductible?

High Debt-to-Income Ratio but under refinance. Want to use all money to pay off debt. Would this work for approval of Bankruptcy w/Foreclosure 24 months ago?

Are There Any VA Lenders In Chicago With No VA Lender Overlays?

What if I have a non-occupant co-Borrower with poor credit, What To Do???

Help with financing 2nd home – Rental Income Property

Is it possible to FHA with very high DTI?

Self employed seeking FHA loan even possible ?

In Louisiana, can I do a cash-out refinance to pay off Chapter 13 Bankruptcy? Can I combine I099 and W2? What does the underwriter require? One or two years of 1099 and W2? I have one year of W2 and two years of 1099 income. Would I qualify?

The price of houses in Miami has been increasing rapidly; some are priced higher than before the housing market crash a few years back. Should a buyer wait slightly longer to see where this trend is heading?

Need To Qualify For No Wait Period Mortgage With 10% Down Payment Need Of Refinance To Lower My Monthly Mortgage Before Mortgage Rates Go Higher Fannie Mae and multiple parcels – if contiguous does it matter if they are buildable?

Need to qualify for VA Home Loan by disabled veteran?

Interested in the 12-month bank statement program to purchase investment property. But I do not have a primary residence.

Can you give examples of cities that have successfully reversed declining property values?

How do declining property values impact city services?

What are the specific economic challenges faced by these neighborhoods?

What specific neighborhoods are experiencing the most significant population decline?

Does HUD, VA, USDA, FANNIE MAE, and Freddie Mac require verification of rent? How about non-QM lenders? Do they require verification of rent or verification of mortgage?

On average how long does a REFI NANCE MORTGAGE process take from start to finish?

On 4 UNIT Owner Occupied FHA loan. Can rental income of this 4 unit be used to reduce the Mortgage Payment.

In California, to refinance a property I owned before marriage does my spouse need to sign?

Underwriting wants me to write a letter on my late payments and charge the account off. What should I write?

FICO 5, 4, 2 is 610, 569, and 599. We have 4-year-old unpaid COs (job loss, very sick child). Pre-approved with different lenders from $173k (low end) to $225k (high end). the single borrower makes $45k, has a car payment of $370, and has low credit card limits with under 5% util. Excellent VOR and flawless payment history from the past 24… Read more

Could I finance land only? A site-built home or mobile home would come later after I’ve paid off the land. Are down payments on land higher? Are credit restrictions tougher?

Hi, we have had major credit issues. We lost our home of 23 years because we thought someone was helping us refinance, but they only took money from us. Then we had to file for bankruptcy. The bankruptcy was charged off at the beginning of 2018. Right now, we are renting a home but will have to move in June 2020. Would it be possible to buy a… Read more