My mortgage lender said I did not qualify for a mortgage because I had a debt settlement. The loan officer told me that mortgage lenders consider debt settlement the same as bankruptcy. Some mortgage lender consider debt settlement worse than bankruptcy because with bankruptcy, you cannot file another bankruptcy after seven to ten years after a discharge. However, with debt settlement, the consumer is a walking time bomb and can file bankruptcy anytime after the debt settlement. Is this true? I should have never done a debt settlement if I am treated like a dead beat. I tried to be a responsible person and pay my debts with debt settlement. How long does a debt settlement on your credit report.

In this section, we will go over the best German Shepherd Training Videos and the best-paid version of the German Shepherd Training DVD Series. Exercising proper training for your German shepherd will ensure they are well-behaved and their memories are firmly embedded to guarantee lasting happiness. Here are some of the best-rated, free YouTube channels and DVD series that offer such training materials and workshops:

Best-selling DVD series:

• “The German Shepherd Dog the German Way”—This multiple-part instructional DVD series is a comprehensive course on German shepherd dog training experts. The series covers overlapping topics like gait and locomotion, conditioning, biomechanics, and show culture. This tool will appeal to amateurs interested in the breed’s culture.
• “Training Your German Shepherd Dog” by Brandy Eggeman and Joan Hustace Walker—This book is part of the Training Your Dog Series. It is listed as a must-have in dog-owning manuals. Alongside the well-explained details on the DVD are advice on picking up a dog puppy, characteristics that must be considered, and dog training tips.

Approved Youtube Channels:

• German Shepherd Man official channel—If you are looking for a healthy and more controlled German shepherd puppy that fits your lifestyle, this channel is perfect. It has numerous training tips, older German shepherd demonstrations, and a pet showcase, making it a perfect fit for antisocial kids.
• German Shepherd Dog USA – Cleverness, options, and loyalty are usually not words associated with the breed of German Shepherd Dog. Through tips, this channel showcases king dogs and motivation and emphasizes the diversity of this breed.
• Star the German Shepherd Dog (puppy training series) – Star, a German shepherd dog star, in her very own YouTube puppy series that reveals a step-by-step approach to German shepherd puppy training through skill demonstration videos.

Tom Davis Dog Training: Tom Davis is a professional dog trainer whose videos target training German Shepherds by practicing various exercises and demonstrating effective training techniques.

Dog World: This channel targets puppy owners and provides them with strategies for preparing their German Shepherd puppies for professional training.

Some are free, others are features, but these tools give you more systematic German Shepherd training options.

https://www.youtube.com/watch?v=6Nr0DbztwUE&list=PLL9CA3Yl8kWGbBe2m7lTnSEYa2UcFgcMa&index=1

What are VA High-Balance Loans?

Why is it that lenders are quoting different mortgage interest rates on FHA loans? Isn’t FHA loans backed by the federal government. Shouldn’t all government loans have a uniform mortgage rates?

Joe Biden claims he is Honest Joe Biden

https://www.youtube.com/shorts/b5T_QKbnJ1Q

Chocolate labrador retrievers are Republicans

https://www.youtube.com/watch?v=CYuH7sR9OGw

This is for my son who is married to a gay man. They live in California together and been married 4 years in gay church. Antonio is a Navy Veteran and wants to buy a house with a VA LOAN. He told me that he needs a cosigner on his VA loan and wanted me to cosign for him. But the loan officer said VA loans does not allow cosigner except husband or wife. He told the loan officer that his husband will be cosigner. The Loan officer said gay people married people don’t count. Is this true?

My credit score is 615 my wife’s 768. We have a high DTI ratio around 47-49%. We currently have 2 mortgages our 2nd mortgage is a Home Equity Line of Credit (HELOC) with Champions Bank and Trust for $65,000. We’ve used $60,000 of the $65,000. Our 1st mortgage is with Mr. Cooper and owe $255,000. Home value between $370,000 & $390,000(Per Zillow Zestimate) last appraiser in 2007 for $349,000. Need to pay off Capital One $60,000 looking for cash out if possible maybe payoff some debt with 90%_125% LTV. What is the best action to take and what would you advise?

• This discussion was modified 2 months, 4 weeks ago by  Hector.

I want to know if Buying a Short Sale Home From a Seller with Lender Approval is a good idea. I am getting many different answers from family, real estate investors, homebuyers, co-workers, loan officers, attorneys, and real estate agents who supposedly are familiar or knowledgable buying a short sale home from a homeseller with the mortgage servicer and lender’s approval. Frequently asked questions by homebuyers who want to know the benefits and negatives of buying a short sale home from a mortgage lender. Many homebuyers think if buying a short sale home from a lender is a good idea. Many homebuyers are told by real estate agents buyers can buy it at a huge price reduction while other real estate agents are telling buyers lenders are not discounting the price of the home. Is it true that buying a short sale home takes up to one year to close? What things can go wrong buying a short sale home from a seller with lender approval?

My credit score is over 620 and I meet the mortgage lending requirements lenders ask. But then say I cannot be approved. My foreign earned income falls on the W2 line, and a previous underwriter said it needed to be amended – what can I do?

HOW MORTGAGE BROKERS CALCULATE INCOME AND RATES?

HOW DO COMMERCIAL LENDERS VIEW BORROWER’S CREDIT?

How Credit Scores Impact Mortgage Rates On Conventional Loans?

How can a bankrupt person establish credit with a 400 FICO SCORE?

How Mortgage Underwriters Calculate Borrowers Debt To Income Ratios?

I filed bankruptcy and got it discharged two years ago. I know different loan programs have waiting period after Chapter 7 Bankruptcy. I worked hard in re-establishing my credit and am successful with my job as a digital media marketing consultant. I can put $300,000 down payment on a home purchase and want to buy a $1.2 million dollar luxury home. I am worried about qualifying for a jumbo loan after Chapter 7 Bankruptcy due to the waiting period requirements. How many years will you have to wait after filing Chapter 7 Bankruptcy for Jumbo loan?

HOW TO DEAL WITH CHARGE OFFS ON YOUR CREDIT REPORT?

Can I use my spouses income on an FHA loan even though her credit is bad?

Can i get a cash out refinance if i had a forclosure 6 years ago my score is 650?

CAN I QUALIFY FOR A MORTGAGE WITH A 580 CREDIT SCORE IN CALIFORNIA?

Can I qualify for a no tax return W2 loan if commission is large part of my pay?

I am in a repayment plan on a Chapter 13 Bankruptcy for 2.5 years, 655 credit, w2s only no tax returns. Can I qualify for a mortgage and buy a house while I am still in a five year Chapter 13 Bankruptcy repayment plan.

Can FHA finance new manufactured home including land and development costs?

CAN I GET A MORTGAGE WITH JUDGMENT OR DO I NEED TO FILE BANKRUPTCY?

Which credit scores do mortgage lenders use? Do mortgage lenders use Experian, Transunion, or Equifax? What is the credit score used in mortgage applications. Do lenders look at both spouses’ credit scores? If you and your partner decide on a joint mortgage, both of your credit scores will come into play. What FICO scores is needed to buy a house?

• This discussion was modified 4 months, 1 week ago by  Sapna.

What Does Residual Income Mean On VA LOANS? How do you calculate residual income? What does residual income tell you. What is the formula for residual income for a mortgage. What does residual income affect?

I want to know how a lender credit from the mortgage lender works. I heard that mortgage lenders can offer a lender credit towards closing costs.

What is an overview of India? Geography, Landscape, and Weather in India? Economy of India. Education and the best grade, high schools, junior colleges, colleges, and graduate schools in India. Tourism and Traveling in India. What are the best cities in India. What does $500 a month (U.S. Dollar) get you in India? How much does a average middle class wage earner make in India? How much is the average college graduate make in India? How is living in the United States like compared in India? How do you buy a house in India? What is the average cost of a house and how much money do you need to buy and finance a home? How does the housing and mortgage industry in the India work? How much does a car cost? How do you buy and finance a car in India?

What does $500 a month (U.S. Dollar) get you in the Philippines? How much does a average middle class wage earner make in the Philippines? How much is the average college graduate make in the Philippines? How is living in the United States like compared to the Philippines? How do you buy a house in the Philippines? What is the average cost of a house and how much money do you need to buy and finance a home? How does the housing and mortgage industry in the Philippines work? How much does a car cost? How do you buy and finance a car in the Philippines?

What is the United States Dollar? Does the Dollar have any creditbility? Does the World respect the U.S. Dollar? Is the dollar going to be worthless in the coming months or years?