Financing in Warwick : Advice

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TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY answered:
I am 73 years old with an Experian credit score of 874. Can I get a 20 yr fixed rate mortgage or am I too old?
Lenders can't deny you a mortgage based on your age.
0 votes Share Flag Tue Jun 17, 2014 Financing in Warwick
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
i have a 9 yr old auto repossession with a deficiency that doesnt show in my credit report but is mentioned in my divorce papers.
It probably won’t stop your mortgage application unless they ask for your divorce papers. But all of my past problems were created by me. Ignoring an old collection doesn†... more
0 votes Share Flag Wed May 22, 2013 Financing in Warwick
Bethany1201, Other/Just Looking in Warwick, RI
Bethany1201 asked:
on the URLA 1003 there is a section that state how the mtg should be on Title -- How accurate is this and How legal is this? adding/taking off In my world of subs they are taking the name for the mtg from there some are adding names dropping middle initials ect... My thought in my head is that you need a deed marr cert to make…
0 votes Share Flag Wed Nov 2, 2011 Financing in Warwick
Matt Patty, Real Estate Pro in Warwick, RI
To real estate customers with military backgounds,I saw a GFE two days ago with a VA 3.875 interest rate on for a 30 year loan and my eyes lit up.  While it made me feel slightly less smart… Read more
Blogged Sat Sep 24, 2011 by Matt Patty Home Buying Financing Credit Score
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Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
if you have a per diem position where you have consistently made the same amount over a years time can that be used toward mortgage qualification amt.
Hi, Helen. Short answer: Possibly. If its written into your contract or you can get a letter from your employer stating that its guarenteed, you should have a problem. But that will ... more
0 votes Share Flag Tue May 3, 2011 Financing in 02886
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
I own a home....the morgage is in my name....the deed also lists my partner....(we have broken up)....Do I have the right to change the locks?
Hi, Mommycoz. The general rule is if a person name is on title, they have an interest in and right to the property. Consult with a local attorney regarding your specific situation to ... more
0 votes Share Flag Mon Dec 27, 2010 Financing in Warwick
Andrew & Ele…, Real Estate Pro in Estero, FL
Andrew & Elena Ollick answered:
if i have an unpaid auto repo that will come off my credit report in January do i mention it when applying for a mortgage since it won't show
Be honest to your mortgage broker. He/She will know how to proceed. The actual lender he puts you through will only go by the credit report.

Elena Ollick
Amerivest Realty
Faith Hom ... more
0 votes Share Flag Fri Sep 3, 2010 Financing in Warwick
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
I have an unpaid auto repo that won't show on my credit after september. If it doesn't show on your credit report do you have to mention
You don't have to mention it because loan officers typically won't ask you what's on there, especially if you're willing to give your info to them freely. By the way ... more
0 votes Share Flag Mon Mar 22, 2010 Financing in Warwick
Lori Rossi, Real Estate Pro in Warwick, RI
Lori Rossi answered:
this is my situation. I have a 6 yr old unpaid auto repo but have an attorney that will deal with auto co for a settlement amount with pay for
Hi Helene,

Have you tried to get pre-approved and was denied? I would sit down with a loan officer to discuss your situation. They will be able to lead you in the right direction on ... more
0 votes Share Flag Thu Nov 19, 2009 Financing in Warwick
B, Home Owner in Minneapolis, MN
B answered:
mortgage approval question. credit
I don't think there is any lender that will lend a purchase above 97% purchase price. Maybe a VA, but not others.

Good luck,

I recommend you to take a first time home buyer ... more
0 votes Share Flag Wed Nov 18, 2009 Financing in Warwick
Hannah, Real Estate Pro in Corte Madera, CA
Hannah answered:
Here is my story: For the past year I have had many tribulations such as child custody issues, death of my
Dear Mom,

Sorry about the hardships you are facing. Regarding your credit score, it's low but not terrible. I think you might just need a credit score boost. If you are carrying c ... more
0 votes Share Flag Mon Jun 8, 2009 Financing in Warwick
Jason Dipers…, Real Estate Pro in Haddonfield, NJ
Jason Diperstein answered:
Can I still get a mortgage with low weekly wages depite assets?
Mom2son,

Your weekly income requirement for a $100k will be greatly influenced by your other debt factors. Here's the short answer: can you get a $100k mortgage with 650 credit and ... more
1 vote Share Flag Mon Jun 8, 2009 Financing in Warwick
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