Understand that you may want to contact not only a large loan broker, but small banks in the local area as well as possibly the bank that you do business with. For example Chase has some special programs just for their own customers. You may find that true in the Colorado area as well.
We have a portfolio "2nd Chance" loan that allows you to buy again just one day after Short-Sale or Foreclosure. You can only have one on your credit and you will need a 20% down-payment and 660 mid FICO score.
This loan is available in - AZ, CA, CO, DC, FL, HI, IL, MD, MT, NV, NJ, NY, NC, OR, SC, VA, and WA
Randy Roberts claims the following in his Trulia profile: http://www.trulia.com/profile/thelendersnetworkllc/
"Started my career in the world of finances and banking, after I got married I opened my own Real Estate company with my partner, Randall. We have been focusing on helping average americans live the American dream even with credit issues. Our main focus is originating loans nationwide, and Realtor referrals nationwide. Randall and I owned a credit repair company and know the in's and out's of credit, no offense but 99.9% of Lenders we talk to know nothing about credit. It is a science and I know everything there is to know about it. We have established contacts in the mortgage industry and have closed on loans as low as 500! We also do a little real estate investing so if you have any ideas or possible business deals I am all ears!"
So it appears that Randy is a lender, a real estate agent and credit expert yet I can't find any ties to him and the license # he lists on his profile,1741885. I searched the National Mortgage Licensing System and found nothing there which is strange because every lender has to be in that system. I checked the California Bureau of Real Estate but that license # belongs to someone else. See the search results here: http://www2.dre.ca.gov/PublicASP/pplinfo.asp?start=1.
So this guy isn't a licensed lender or real estate agent so what is he licensed to do?
Now let's look at the website these people are spamming Trulia with:
You have to scroll all the way to the bottom of the page to see the disclosure below:
The Lenders Network LLC is a Marketing Lead Generator with its main office located at 14241 Dallas Parkway Suite 650, Dallas Texas 75241, Telephone Number 855-841-4663. Â© 2013 The Lenders Network, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.
So it turns out this is just a Marketing Lead Generator or something like Lending Tree or Lower My Bills where they capture your information and sell it as a lead to lenders and or real estate agents.
This is a far cry from the representation they've presented here on Trulia.
Here's another one: http://www.trulia.com/profile/andreagomez/
Andrea Gomez, Agent, San Antonio, TX
I did a search on The Texas Real Estate Commission's website for Andrea Gomez and just as I thought, she's not listed. Check it for yourself.
She also doesn't show up on the Keller Williams website under their agent search. Check it by clicking the link below.
At least now you know what's really going on.