It depends on how low your credit is and what exactly is making up your credit profile. We send clients to Home Loans For All especially clients that have credit issues (which is a lot more than you think). Got to their website and contact them. They have a huge network of lenders they work with. We have had a great relationship with them for well over a year now. Hope this helps you and anyone else looking to buy a home.... more
I would walk into a couple of offices near where you want to live and ask for someone that is available and see if you get along ok and if they tell you any hard truths. You could also pickup the phone and see who answers before it gets to voicemail. That is an indication on how well and easy you can communicate.... more
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep your info private not broker it out and we go below 580. Are lowest score we accept for government loans are 550 when most lenders require a 620 and brokers a 580. You have to have two years of income with a score over 550 with bankruptcies discharge date 2 years and over. We have basic guidelines and a pretty easy process. Feel free to text me or call me anytime up to 10:00pm Eastern with any questions.
Brian Young 214-797-3479... more
Sounds like refinancing to get your interest rate and payment down are a good idea, but not sure about turning your truck note at 0% for probably less than 5 years into a 30 year debt.
You're also paying a higher mortgage interest rate for a "cash out refi". Have you looked at simply a "rate/term" refi?
Look at your other options here, sounds like you're on top of your budget, so that's good. Look at just rate/term refi for 30 yrs, 20 yrs and 15 yrs, plug the numbers into your budget and see what that looks like.
Our suggestion would be to look for a small bank, portfolio lender, or credit union in your area which would be willing to do a stated loan. NINA and SISA loans are very few and far between at this point but, they are making a comeback.... more
Is renting is the only answer? Well I am here to tell you, my dedicated team at www.hrcrn.com likes to help people live the American dream of home ownership. We appreciate when we can help better someone's situation and help guide them to financial freedom and GREAT credit scores. Let’s talk! www.hrcrn.com... more