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Teresa, Home Owner in Ocean County, NJ
Teresa asked:
Deed in lieu, short sale and defaulted loan...Credit?? My house has been in the short sale process and on the market for months. My loan is defaulted and Im not paying it. It seems maybe the mortgage comp might prefer a deed in lieu. Is a s...
0 votes Share Flag Tue Feb 5, 2013 Credit Score
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
how many times can you run your credit without affecting your score?
Running your Credit for a Mortgage application does not affect the SCORE.
Presuming that you are not submiting 35 applications.
0 votes Share Flag Wed Feb 6, 2013 Credit Score
Ron Shaffery, Real Estate Pro in 08753
Ron Shaffery answered:
I need to improve my credit score of 564 to move on with life and family.
It looks like you are making some good moves to accomplish your goals. I know of a very good mortgage rep that has credit repair programs. Let me know if you would like his contact info ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in 08759
Stacey Lange,…, Real Estate Pro in Kirkland, WA
Stacey Lange, Realtor answered:
What to do, Military short sale or not?
I know a great short sale agent in the Tacoma / Spanaway area who is VERY knowledgeable about how shorts sales can affect ACTIVE military -- I strongly encourage you reach out to him an ... more
0 votes Share Flag Mon Feb 4, 2013 Credit Score in 98467
Ruth Costanzo, Real Estate Pro in Spartanburg County, SC
Ruth Costanzo answered:
Usda loan approvel
What is your credit score? Please call me at 864-590-9782. I think I can answer more questions talking to you. Thanks Ruth Costanzo
0 votes Share Flag Sun Feb 3, 2013 Credit Score in Inman
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Looking for lender to get me a home loan with bad credit
Good morning Crwest7681,

While there are Lenders who will tell you they can qualify you for a mortgage, I'd like to offer you some advice based on my 23 years experience as a Mortgag ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in Missouri
Howard Persky, Real Estate Pro in Sugar Land, TX
Howard Persky answered:
I recently heard about the NACA program from a friend. Does anyone know anything about this program?
This is the link to the program web site:

https://www.naca.com

Check this link out also for information on other programs for down payment assistance:

http://www.txhomeprograms ... more
0 votes Share Flag Mon Mar 4, 2013 Credit Score in Houston
M kay Edwards, Real Estate Pro in 45255
M kay Edwards answered:
Should I do a debt management credit counseling? I was thinking about going through a company dmcc
Talk to a local LAN officer about who they recommend - some of them make it worse!
0 votes Share Flag Thu Sep 26, 2013 Credit Score
Jeanette Whi…, Real Estate Pro in Lafayette, LA
Jeanette White answered:
My credit score is 623, where can I apply for a home loan..?
I'm a realtor who works with lenders. I would recommend Louise Logan at Coast Capital Mortgage on St. John St. in Lafayette. Her direct number is 337-769-1673. Her cell is 337-230-740 ... more
0 votes Share Flag Fri Nov 8, 2013 Credit Score in 70592
Diana Merced, Real Estate Pro in Houston, TX
Diana Merced answered:
Will paying off accounts in collections lower your credit score?
May or may not. I would suggest you speak with a loan officer or a bank. They can pull your credit report and look at your averall picture. It is also important that if you do pay of ... more
0 votes Share Flag Sat Feb 23, 2013 Credit Score in Houston
Terry Farnsw…, Real Estate Pro in Crystal Lake, IL
Terry Farnsworth answered:
If my credit score is so so- about 670 and my husbands may be lower, will the credit scores be combined and averaged?
No - if you apply jointly, the lender will use the applicant with the lowest scores when making a decision. 670 is not a "bad" score and you shouldn't have an issue getting approved de ... more
0 votes Share Flag Tue Feb 12, 2013 Credit Score in Hephzibah
Eric Axelson, Real Estate Pro in Philadelphia, PA
Eric Axelson answered:
Credit scores and mortgage applications - my credit score is good 750 , my husbands is not great 620 ish
They will go with HIS middle score. I use a VERY respectable and trustworthy mortgage broker. I would love to put you in touch if you will allow me to. He will give you all the options, ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in 08002
Justin Pittm…, Home Buyer in Chicago, IL
Justin Pittman asked:
risk hard pull to increase credit limit? Should I risk getting hit with hard pulls to increase the limit on my credit cards? I have pitifully low credit limits but luckily only keep <20% usage so they remain active (and th...
0 votes Share Flag Wed Jan 30, 2013 Credit Score
Dan Simon, Real Estate Pro in 29401
Dan Simon answered:
What is the minimum credit score for obtaining a FHA home mortgage?
It is my understanding that the minimum required credit score to obtain an FHA loan is 580. It may be possible to obtain a loan with a lower credit score if a larger down payment is mad ... more
0 votes Share Flag Tue Jan 29, 2013 Credit Score
Robert Chou, Real Estate Pro in Riverside, CA
Robert Chou answered:
I can't get my credit scores to buy a house because I'm a twin and the credit companies are using his mortgage totry to identify me. How do?
Having a twin with a mortgage has no effect on you obtaining your credit score.
Use your own name and social security number to get your credit scores. Try freecreditreport.com
0 votes Share Flag Mon Jan 28, 2013 Credit Score in North Carolina
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Short sale credit rating effect on a divorced couple.
The names on the deed are meaningless other than to say who owns the home. The names on the mortgage are the one that will be damaged by foreclosure or short sale which are both default ... more
0 votes Share Flag Mon Jan 28, 2013 Credit Score in South Carolina
Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
I have a lot of old stuff on my credit report.Do I wait till it falls of after 7 years or do I try to pay it up?
Did you buy the stuff? Is it legitimate debt? If "yes", then pay it. If your failure to pay on time has led to rediculous penalties, work out an arrangement to reduce those penalties ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
can I buy a house in Arizona right now with bad credit?
Let me understand this..............you have "bad" credit, and you are in the middle of, or had, a foreclosure and still have unpaid tax liens ?

No, you can't buy another house a ... more
0 votes Share Flag Fri Jan 25, 2013 Credit Score in Arizona
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Credit score good or bad ? Does a bigger down payment help ?
Getting a mortgage will depend if you are buying a home to live in or rent out. Also what your DTI will be. You and your partner need to speak with a mortgage officer.
0 votes Share Flag Sun Sep 29, 2013 Credit Score in Seattle
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