Financing in Waterville>Question Details

Bill, Home Buyer in Waterville, ME

Desperately need to get mortgage/loan with a 589 credit score

Asked by Bill, Waterville, ME Wed Oct 20, 2010

I had to move out of state in order to find a job and my wife and I have been seperated because of this. We own 10 acres in Maine which I have been living in an rv on. In order to get my wife up here, I need to make our land livable. I need to get a loan or mortgage to do the following... driveway installed, well, septic, power and to buy a new or used mobile. $35,000-$50,000 will get all of this done. We owe nothing on the 10 acres.
I have been at my current job since May of 2010 and I make $3500-$3900 a month. I have 2 payments, a truck loan ($345) and a credit card with a $1,000 limit ($20 mo). As soon as I can get a livable place for 2 people and a baby, I can finally be with my wife again. Any help is MUCH MUCH appreciated.

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27
Adams’ answer
Are you in debt? Do you need a loan to start up a new business? Are you financially break down,Do you need a loan to buy a Car or a House? Have you been turn down by your local bank in getting finance to you want to improve your financial s? do you need a loan to pay off your bills? Search no more as the Rutherford lending Firm is welcoming you the opportunity to get all kinds of loan you need at a very affordable interest of 3.%. for more information contact us now via email at paylessloanfunding@shqiptar.eu

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0 votes Thank Flag Link Thu Feb 16, 2012
I work with a lot of people who have less than perfect credit, seems like you can get approved now. I tell all my clients that need a pre approval to visit The Lenders Network, I have seen loan approvals from them even with scores under a 600. So if anyone can get you a loan they can.

Good Luck!
4 votes Thank Flag Link Sat Aug 10, 2013
Good day,
Dear Loan Seekers, Greetings from MICHAEL LOAN HERITAGE.
We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.We operate at 3% interest rate.There is more to gain by getting a loan from this company,We give out.

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Flag Sat Jan 10, 2015
Good day,
Dear Loan Seekers, Greetings from MICHAEL LOAN HERITAGE.
We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.We operate at 3% interest rate.There is more to gain by getting a loan from this company,We give out.

* Personal Loans (Secure and Unsecured)
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* Consolidation Loan and many more.

We are certified, trustworthy,reliable, efficient, Fast and dynamic. If you are interested please contact us at
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Good luck,
Customer care.
MICHAEL LOAN HERITAGE
Flag Sat Jan 10, 2015
hi Bill, technically with FHA you can get by with as low at 580 credit. Real life -- you need 620+ for an easy loan with good terms. I recommend spending two or three months fixing credit.

I also recommend charming your wife a bit to get her to live with you in the RV for the two or three months needed to fix things up. It's called the power of love. Better than any credit for life happiness!
2 votes Thank Flag Link Wed Oct 20, 2010
Hi Bill

You should be able to get a cash out refinance at a higher rate by talking to a hard money lender.
If you wait and in time your credit improves then you can get both a loan as well as a rehab loan.

A lot also depends on the value of your ten acres.
Best Regards
Perry
Web Reference: http://www.ruthandperry.com
1 vote Thank Flag Link Wed Oct 20, 2010
Good day,
Dear Loan Seekers, Greetings from MICHAEL LOAN HERITAGE.
We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.We operate at 3% interest rate.There is more to gain by getting a loan from this company,We give out.

* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Consolidation Loan and many more.

We are certified, trustworthy,reliable, efficient, Fast and dynamic. If you are interested please contact us at
michaelloanheritage7@outlook.com
Good luck,
Customer care.
MICHAEL LOAN HERITAGE
0 votes Thank Flag Link Yesterday at 8:29pm
Hello,

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0 votes Thank Flag Link Thu Mar 26, 2015
Good day ladies and gentle men am Mrs Lyn Veronica a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don’t you try Mrs Lyn Veronica loan company and be free from debts, Any interested clients should contact me Asap via Email: ( lynveronicaloancompany@gmail.com) or Web: (http://lynveronicaloancompany.webs.com/) for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mrs Lyn Veronica

BORROWER’S DATA
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10)Loan Amount Needed:
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I will be looking forward to hear from you so as to
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Kind Regards

Mrs Lyn Veronica
0 votes Thank Flag Link Tue Mar 24, 2015
Hello Dear Sir/Madam.

I am Mr. Austin, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : austin_gift@yahoo.com

Attention!!!

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Best Regards,

Mr Austin
0 votes Thank Flag Link Tue Mar 10, 2015
One thing you did not mention is how much cash you have for a down payment. With a score like that someone is going to offer you a loan requiring a higher down payment, and a higher interest rate. We require 620 credit scores so we cannot help directly. I do know there are lenders that will do loans down to a 580 score. It may be worth it for you to take the time to raise your score to 620 to get the best terms. I think you need to find an experienced lender, well reviewed, who earns your trust, and go through a pre-approval process to see exactly what you can do now with your current score, and then ask what they could do if your score was 620, and you can decide if you think its worth waiting. But a lot of times there are things on your credit report that got your score so low in the first place, like collections, judgments, liens, etc; that may have to be resolved with any lender, even one who will accept a score as low as yours. So waiting may end up being your best choice for several reasons. Good luck.
0 votes Thank Flag Link Mon Mar 9, 2015
Hello everyone,

My name is Mark Caw. I really recommend that Mrs Larry Rose from Larry Roseloanfirm is a good loan lender, i was looking for the sum of $50,000usd and i got it for is company and if you are looking for a loan you have to contact him right now and you will get it ok Email: larry_roseloanfirm001@hotmail.com

Thanks..
Mark Caw.
0 votes Thank Flag Link Sun Mar 8, 2015
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:miriamfavourloans@gmail.com

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Best Regards,
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0 votes Thank Flag Link Thu Feb 5, 2015
Good day Sir/Madam,

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0 votes Thank Flag Link Fri Jan 2, 2015
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0 votes Thank Flag Link Mon Dec 15, 2014
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0 votes Thank Flag Link Sat Aug 23, 2014
We offer a variety of Financial packages at a very low interest rate, We stand apart from other lenders because we believe in customer service, We offer the right solution to your financial needs.In general we are FINANCE COMPANY, We offer loan at 2% interest rate ranging from $3,000 to $5,000,000. Commercial loans, business loans, home loans,car loans and debt consolidation loan are available for you. Contact us for more information via E-MAIL:udamicrofinancebank77@gmail.com
0 votes Thank Flag Link Wed Jul 23, 2014
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0 votes Thank Flag Link Sun Jul 20, 2014
Good day everyone
My name is lara williams from texas I just gotten my loan from this legitimate company here in usa her name is Mrs Isabelle Alexander without any prepayment or upfront fee involve thank you very much. her email is. usaloanfinancialfirmss64@gmail.com
0 votes Thank Flag Link Mon Jun 16, 2014
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0 votes Thank Flag Link Tue Apr 22, 2014
Hi Bill we have a program with a 580 credit score with only half down of the purchase price.

please email me at Sharon@lockettnhomes.com
0 votes Thank Flag Link Mon Apr 14, 2014
DO YOU NEED A LOAN? APPLY FOR AN URGENT LOAN TODAY.

Do you need a loan? Apply for an urgent loan. The beginning of love is the will to let those we love be perfectly themselves, the resolution not to twist them to fit our own image. If in loving them we do not love what they are, but only their potential likeness to ourselves, then we do not love them: we only love the reflection of ourselves we find in them. Contact Abimbolas Richard Financial Home for an urgent loan, We are certified trustworthy, reliable, efficient, dynamic, we have a long term loan for at least five to fifty years. We have the following kinds of loans on offer and many more. Trust is like a mirror.

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0 votes Thank Flag Link Tue Apr 8, 2014
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0 votes Thank Flag Link Sat May 25, 2013
Good day,

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0 votes Thank Flag Link Sun Feb 17, 2013
Hi Bill,

I have a loan officer in Portland whom started a company specifically to help improve credit of individuals like yourself. Please email or call anytime to learn more about it...I think he has had good luck improving many peoples scores.
0 votes Thank Flag Link Thu Oct 21, 2010
Hi Bill,
I have a buyer working with a lender that will work with a score of 580. I don't know if their circumstances and yours are entirely the same but would be worth a conversation I would think. Please give me a call or direct email and I will give you the person to contact. I look forward to helping you.
shelley
0 votes Thank Flag Link Wed Oct 20, 2010
I did check into both a small local bank, Kennebec Savings which said they wont even talk to me without a 620 and a National Bank, Bank Of America who wanted to sign me up for the Maine Housing Authority first time home buyers program which also has a 620 minumum requirement. I am looking into FHA loans, but because I need land "improvements" I dont know if what I'm looking to do would be considered a mortgage or more of a personal loan, therefore dont know if I would qualify. At this point, even if we had to buy a small house in town for now, if that was easier, I would do that. I just dont want to rent because I am throwing $ away every month that I could be spending on our land, plus, we have dogs and horses. I am currently working on building a barn on our land for them. I can build our own house, I am a qualified conractor, we just want to get the land with livable amenities ASAP.
0 votes Thank Flag Link Wed Oct 20, 2010
Bill,

Why are you making $20 payments on a credit card? That is a huge red flag for a lender. You should put $1,000 in a savings account and set up an automatic payment with your credit card company to pay it in full every month from that savings account.

If you own the land outright can you sell it and use the proceeds to buy something smaller that is in need of repair?
Flag Thu Jan 16, 2014
Hi Bill. FIX YOUR CREDIT FIRST!!

http://www.lexingtonlaw.com/

GOOD LUCK.

Scott Miller, Realty Associates, Boca Raton, FL
0 votes Thank Flag Link Wed Oct 20, 2010
Hi Bill, have you contacted any local lenders? They may be able to help you, even with your diminished credit score. Call me, I can point you in the right direction!
Web Reference: http://Www.Jillhuard.com
0 votes Thank Flag Link Wed Oct 20, 2010
End your financial worries today:

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Flag Wed Jan 7, 2015
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