Chambers County : Advice

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Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Hello all! I am inquiring about the FHA and VA mortgage process. I used to have a credit score of a 700, but during my maternity leave, i had no
For an FHA mortgage, most lenders have required a 640+ credit score since 2008/2009.

Prospect Mortgage is one of the few direct lenders to offer an FHA 580-639 FICO loan program. Cr ... more
0 votes Share Flag Fri Jan 3, 2014 Home Buying in Lanett
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Im looking forward to buying a home from Fannie Mae/Freddie Mac the home is currently listed at 99,000. How to find out how long its been on marke?
Hi Harriet,
Information such as how long a property has been listed for sale is something that your Buyer's Agent will be able to assist you with.

When you decide to purchase a ho ... more
0 votes Share Flag Wed Jan 1, 2014 Home Buying in 36854
Nancy Captain…, Real Estate Pro in Lagrange, GA
Nancy Captain Bob Kustermann answered:
How far to shopping/restaurants?
Historic downtown West Point is less than 5 minutes away just down N. 18th Street. There are some lovely restaurants there. Southern Harbor Marina on West Point Lake also offer dining ... more
0 votes Share Flag Fri Sep 6, 2013 Shopping & Local Amenities in Lanett
Edwin, Real Estate Pro in California
Edwin answered:
How can I add a tenant rentals history to their credit report?
I can help you with that I work with credit experts that help people improve their credit. Feel free to contact me at any time

Edwin Mieles
Senior Loan Officer




Residenti ... more
0 votes Share Flag Mon Jul 8, 2013 Home Selling in 36854
Carol Perdew, Real Estate Pro in Central Valley, CA
Carol Perdew answered:
Selling
Marilyn,

Most likely you will have to apply for a new loan to pay off the seller financing on your property. My advice is for you to contact a local lender to provide the different l ... more
0 votes Share Flag Tue Nov 1, 2011 Home Selling in 36854
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Own a home
Don't bother applying for a mortgage, you will not be approved with 3 lates on your current mortgage. At this point you need to set up a budget which allows you to pay all your bil ... more
1 vote Share Flag Sun Oct 9, 2011 Home Buying in 36854
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Buying a home...Quick
In order for your car loan & installment loan to your credit report AND impact your credit scores, the *creditor* will need to choose to report them to the credit bureaus. Creditor ... more
0 votes Share Flag Sat Sep 10, 2011 Financing in 36854
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Buying a home....
Unfortunately with USDA you cannot own another home in habitable condition in the same commuting area as you would be buying your new home, which is something you seem to realize since ... more
0 votes Share Flag Thu Sep 1, 2011 Home Buying in 36854
Jonathan Shi…, Real Estate Pro in Redlands, CA
Jonathan Shidler answered:
Im looking at a rent to own property if I do rent can I do a refinance vs a home loan wen my contact is up
You'd get a new home loan.

Depending upon how your rent to own (I prefer Lease with Option to Purchase) is constructed out.

The way we do ours involves a recorded option, and ... more
0 votes Share Flag Wed Aug 10, 2011 Home Buying in 36854
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Can I get my rental history added to my credit report and how if the apt complex doesnt report?
Marilyn, yes you can, but it'll cost money and the only company I know doing it is http://rentreporters.com/ and like Jack mentions, your apartment complex would have to go along w ... more
1 vote Share Flag Tue Aug 9, 2011 Home Buying in 36854
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
If I have a few tradeline thats not reporting to the credit bureau from creditor can I have them put on my credit report by my loan officer or realtor
The lender has to order what is called a credit supplement. For that, you will need to provide the lender with a recent statement from the creditor. Your creditor may also require a c ... more
1 vote Share Flag Mon Aug 8, 2011 Home Buying in 36854
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
Can you get a pre-approval letter ifthough you want quailfy for a loan yet because you need to pay a few items off credit report?
I agree Rodney in as much as no mortgage consultant should be issuing a preapproval until the deal is solid. However, unfortunately a lot do...which is exactly why there is so much dis ... more
1 vote Share Flag Mon Aug 8, 2011 Home Buying in 36854
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
How can I pull my credit report and see my 3 scores and when a loan officer look at it they give me a different credit score?
There are various credit scoring models that are used in the credit industry. Credit scores will vary based on the scoring model used. The mortgage industry has its own credit scoring ... more
0 votes Share Flag Mon Aug 8, 2011 Credit Score in 36854
Luke Allison, Real Estate Pro in Asheville, NC
Luke Allison answered:
We are a military family and are looking to buy our home. We have had some credit issues in the past as we
Alana-

You don't need a 620 score for a VA loan. Credit score minimums are imposed from lender to lender. I can qualify your loan as long as the credit score is at least 550, not 6 ... more
0 votes Share Flag Mon Mar 2, 2009 Financing in Chambers County
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