You may because we would combine incomes and credit.
The only way to find out is to get all your information and put it through the computer after you get a social security number.
That's your starting point.
Without the SS number, no one will give you a mortgage.
My website has a mortgage application at usloans.com
Also, you can call me at 415-683-6950.
Fred Glick... more
Which listing are you referring to? I would be happy to assist you if you're looking to buy. Our team is ranked one of the Top offices in OC with great customer service. Please feel free to contact me.
"borrower has 1 credit card rated 9 months and another only rated 5 months but has 3 credit scores over 640."
Should not be an issue, FHA has no minimum credit line requirement. I have lenders with no overlays.
"Or a borrower that has a couple credit cards from 5 years ago that have been closed for 4 years and no new credit but a FICO over 580."
Zero active trade lines would be a problem. At least 1 would be necessary. If they had no credit score it would be easier than having the 580.
"Borrowers that can't prove rental history that have no alternative credit."
Rental history is not generally required. Why do they need alternative credit? Is this the same borrower with the 580 and no trade lines or a different borrower?
Please clarify.... more
Try Robert Kurugian at Academy Mortgage, I think they recently brought back some manufactured home loan packages. I'm not sure about the non owner occupied part, but can't hurt to ask... 661-717-3394
I need more information to answer your question. Rather than post the address of the property on the internet for all to see, give me a call and we can discuss. Dee Oliver - Miramar Internationl - 661-747-7763.... more
An explanation, like the one you just gave, along with the standard verification of employment/income (showing how/when the bonuses were disbursed in the past,would be sufficient with our underwriting department.
Let me if we can assist.
Senior Loan Consultant
By Referral Only
All California Mortgage
A Division of APMC
P: (415) 464-8261
C: (415) 378-7508
F: (415) 464-2367
NMLS 304353 - BRE 01380701... more
I have a GREAT mortgage broker who you can talk to ... that is NO BS kind of person. Much more goes into obtaining a mortgage than a credit score.
Contact my office Wednesday
Lynn911 Dallas Realtor & Consultant
Multimillion Dollar Sales Producer
http://www.lynn911.com 100's of Dallas homes listed for sale or lease
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(If my answer is helpful indicate by THUMBS UP or BEST ANSWER. Thank you )... more
Yes, I we do them. I am a Texas resident and licensed in the state. Let me know if I can help you. For details, click on the link below.
Best Regards... more
We lend in NJ.
Call us at 973 979 4100 to discuss your loan scenario in more detail. My name is Bart and I have been in the mortgage business since 1987. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario.
Until then, I look forward to hearing from you.
Bart Gabe - 800 315 8803
I can give you the recent sales and foreclosed sales in San Anselmo when you contact me. There are websites where you can research recent foreclosed homes in Marin County and see what stage of the process they are in. Hope this helps! firstname.lastname@example.org... more