Asked by Brandon/Judy, Wheatland, CA • Fri Oct 19, 2012
I have steady guaranteed income 3000 per month that I can prove. Owe approximately 148K. Zestimate is around 172K. It has a 1996 manufactured home set on a 433 permanent foundation on 10 acres. We did the owner finance on the land and bought the home cash, put in the home, electric etc with all county permits. My credit fico through Identity guard monitoring is TU-609, EX- 664, EQ- 654. I do have some charge offs in the past two years due to a serious illness I went through and husband death. I got behind for some months. I did however pay them off even though a few accounts charged off during that time. I have a car payment and about 4-5 credit accounts always paid ontime for the past 1-2 years. My questions is, would this be a refinance or new loan? And would I qualify for FHA or USDA loan? Which is better for my situation? I would like to do this in January and am seeking a very experienced person to help me get this done and out of the high interest rate. Thank you.
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