I have a great recommendation if your concerned about your credit report and score. Call 1-800-368-4193 make sure you ask for Alicia. Worked with her last year to help remove inaccurate items on my credit report. When I was first referred to her my score was 480, 432 & 466 after 1 month it went up 39 points and in about 5 months 109 points. She is very knowledgeable on ways to legally make both the credit bureaus and creditors do the right thing, and in doing so the items fell off my credit report its been 9 months now I'm at 755 750 and 720 with Experian, but I'm still a satisfied client all I did was follow her advice. Oh she also has portal access so I saw exactly what was being done with my credit and I was able to message her when I had questions from within the portal.... more
I realize that this is a very late response, but I am hoping this information will assist future customers.
There are programs that you can take advantage of to help improve your score and obtain a mortgage. Check out NCALL Homeownership credit counseling: http://www.ncall.org/ in addition you could check into Delaware's "Stand-by-me" program: http://standbymede.org/... more
If you are not on the mortgage note, most likely this loan will not effect your ability to get a loan. To be sure I would reach out to a mortgage orginator. Reaching out will not hurt your credit as you apply to 3 mortgage company in any 6 month period not have it effect your credit score. I work with a company called AnnieMac they have great customer service and great rates. They can be reached at 866-476-0642 or at https://annie-mac.com/.
Please let me know if I can help you in your home search.
This means the home is priced at a level that allow the home to sold quickly. This means the home will be priced below market value most likely. The may or may not effect the value of your home. Most appraiser take into account quick sales and may adjust accordingly.