Home Buying in 75115>Question Details

Tkohr, Home Buyer in 75115

My credit score is 570 it was 800 - i went through a divorce & killed my credit. Is there a someone outhere to help me get a mortgage loan?

Asked by Tkohr, 75115 Wed May 30, 2012

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8
Jim Simms’ answer
You will need at least a year of everything being paid as agreed, perhaps longer if it is a true train wreck. Clean up before starting anew, good luck,

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time
1 vote Thank Flag Link Wed May 30, 2012
Yes.

http://dallasloanguy.com/free-credit-book/




Tom Burris
Mortgage Banker
DallasLoanGuy.com
(214) 763-4629 cell/text/nights/weekends(Really!!)
tomburris@dallasloanguy.com
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
0 votes Thank Flag Link Wed Aug 22, 2012
"MEETING YOUR NEEDS AND EXCEEDING YOUR DREAMS!"

There are many ways in which you can repair your credit and many places that could possibly finance you once you hit 580 and above. However, I highly recommend you repair your damages and get on a good foot, credit wise before purchasing another estate. Even if you could get financed now I would expect to pay up to 5% down FHA, if under $214k with high interest rates. If you need an experience lender to help walk you through steps of securing credit security please feel free to contact me directly. I place my clients first!

Keller Williams Realty
Real Estate Consultant/ 3xUS Army Vet
Cell: 817-975-7258
Off: 817-635-1157

Website: http://www.blissful-estates.com
0 votes Thank Flag Link Wed Aug 22, 2012
I would recommend a credit repair service to help reestablish your credit history. Omega Credit is one that my clients have used and worked for them. Sorry to hear about your divorce but the good news is that you are in the right direction to get on the tract to purchase a home. I am happy to send you the information for credit repair. I would also contact a lender and get their help as well. They may have advice as well. I am happy to help in any way that I can. Please give me call if you want more information or have any questions.

Lisa Montes-Your Home Retriever
http://www.yourhomeretriever.com
817-201-7388
yourhomeretriever@gmail.com
0 votes Thank Flag Link Wed May 30, 2012
You need to increase your credit scores then apply for a loan and COULD take several years. Best not worry about it now focus on re establishing yourself move forward, repair your credit issues, pay bills on time.

Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor
Multimillion Dollar Sales Producer
972-699-9111
http://www.lynn911.com

Follow me on Facebook
http://www.facebook.com/lynn911dallas
0 votes Thank Flag Link Wed May 30, 2012
Shouldn't take long as you just need to get above 580 which is the minimum to get a mortgage. However if we get you in credit repair and work on getting it up you get a better rate at 620 and 680 which could be reachable within 6-12 months. your two options that i see are to lease for a year while going through credit repair getting a great rate and only have the costs of closing once or accept a higher rate initially based on getting your score up to 580 then refinancing later forcing you to do another closing with more cost involved. You can of course build new which as long as you are close enough I know of a few builders that will pay to repair your credit. and seeing that it takes 4-6 months to build will allow lots of time to get you over the hump of 580 for sure maybe even 620 or 680.
Please call, email or text me with any questions you may have. I look forward to finding you your dream home.

Best Regards,

John Greer
United Real Estate Dallas
214-460-8381 Cell/Text
jgreer@unitedrealestatedallas.com
http://www.johngreerhomes.com
0 votes Thank Flag Link Wed May 30, 2012
You will find it difficult if all of the bad stuff is very recent.
You need to talk to a loan officer who knows credit very well and start the repair process.
Only then will you be able to know how long the process will take.

I have a free e-book about credit & credit repair if you would like it. Send me an email for it, no obligation.

Tom Burris
Mortgage Banker
DallasLoanGuy.com
(214) 763-4629 cell/text/nights/weekends(Really!!)
tomburris@dallasloanguy.com
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
0 votes Thank Flag Link Wed May 30, 2012
Contact Jennifer Ott at Proficio Mortgage
Email: jennjott01@gmail.com
Phone: 214-476-3687

She was able to help many of my clients to repair their credit. It will take sometimes. I think the min credit score needs to be 630. But she will get you there!

Let me know when you need assitant finding a home. I would be happy to help when you are ready.

Dixon
Realtor
JP and associates
214-519-9493
dixondfw@gmail.com
http://www.findyourtexashome.com
0 votes Thank Flag Link Wed May 30, 2012
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