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Credit Score in Houston : Real Estate Advice

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  • Home Buying1K
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Activity 35
Fri Feb 3, 2017
ed answered:
I am a private lender and have a nice home in Cypress for rent with an option to buy very soon. Credit is not too important buy you need to have an option payment of at lease $15K. Rent will be about $1600/month but the option fee will be deducted from the price of the home. It is priced at $195,000 and can be purchased with some "sweat equity" if that is needed. Please reply if you are interested.
Patton 713 376 3027
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0 votes 30 answers Share Flag
Thu Oct 20, 2016
AmieDignan answered:
Hi Tracy,

My name is Amie, I currently work for a law firm specializing in Credit Repair. We are a contingency based program and do not ask for you to pay any fees upfront. We are definitely one of a kind. We always suggest that you do not pay them in full until we have had a chance to negotiate for you. As paying them will update the date of last activity and could possibly affect your score negatively. If at all possible you could pay and ask them to delete if paid in full, most companies refuse to do this. We have over 500 companies that have agreed to delete if our client pays.

Please feel free to contact me with any questions you may have, I don't mind answering them for you.
Thank you,
Amie Dignan
Credit Law Center
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0 votes 15 answers Share Flag
Tue Aug 2, 2016
Markzjordanz answered:
No credit check, 1 percent interest 30 year fixed, 4.5 proof of funds in which u can use vet status or 401k, the property has to be appraised at 350 k and up. 30 day close, 8037576801
0 votes 3 answers Share Flag
Thu Apr 7, 2016
Samira2424 answered:
First step will be to work on getting some of the negative items removed from your credit, order a copy of your credit report then examine it thuroughly then contact the credit bureaus in writing asking that they validate or remove inaccurate or conflicting information from your report once that is done you can then work on settling the smaller items first making sure when you settle or pay they agree to permanently removed the item from your credit report. Or you can hire a professional like myself to repair your credit ... more
0 votes 8 answers Share Flag
Sat Apr 2, 2016
Samira2424 answered:
I have a great recommendation if your concerned about your credit report and score. Call 1-800-368-4193 make sure you ask for Alicia. Worked with her last year to help remove inaccurate items on my credit report. When I was first referred to her my score was 480, 432 & 466 after 1 month it went up 39 points and in about 5 months 109 points. She is very knowledgeable on ways to legally make both the credit bureaus and creditors do the right thing, and in doing so the items fell off my credit report its been 9 months now I'm at 755 750 and 720 with Experian, but I'm still a satisfied client all I did was follow her advice. Oh she also has portal access so I saw exactly what was being done with my credit and I was able to message her when I had questions from within the portal. ... more
0 votes 4 answers Share Flag
Wed Mar 30, 2016
Jaafarlending44 answered:
Looking for 24 hours Cash Loan, Business Loan, Payday Loan, Small Business Loan, Personal Loan, Mortgage / Home Equity, Hard Money Loan and so on?

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0 votes 3 answers Share Flag
Fri Nov 13, 2015 answered:
Be upfront with the landlord and tell hi,/her about the eviction upfront so there are no surprises when do find it with a background check. Make sure that you provide proof of income (most recent paystub) for both yourself and your fiancee and offer to maybe pay some rent upfront. Good luck! ... more
1 vote 2 answers Share Flag
Wed Aug 12, 2015
Carlosellisonfinance asked:
To whom it may concern,

Loan offer at 3% interest rate for individuals,Corporatives,companies e.t.c Apply today by contacting us via email: for Genuine and…
0 votes 0 Answers Share Flag
Wed May 20, 2015
Tommy Burris answered:
The above link is to an article I wrote: It is a little info about the' FHA Non-Occupant Co-Borrower Loan'.

Mom can certainly add income to YOUR loan and hubby can be left off.
A couple of things:
1. Any debts on his credit report will be added to your loan file.
2. Any tax liens or judgments on his report can get the deal denied.

I am a loan officer in Texas.... That has actually done several of these deals.
No credit tricks.... Just straight up loan guidelines.

Let me know if I can answer any specific details for you!!

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration =>
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0 votes 3 answers Share Flag
Mon May 18, 2015
Parker Company Real Estate Services answered:
Landlords will have variable credit requirements. Some may want you to pay an increased security deposit. I recommend you speak with an agent who has experience with single-family rentals in the Greater Houston area. If you are still concerned about your credit score, start with contacting Joe Orsak with Improve My Credit USA at 281-914-4116. He has helped many in similar situations. Good luck! ... more
0 votes 1 answer Share Flag
Sat Mar 28, 2015
Persis Behramsha answered:

Just saw your post from January. While Dan is correct in mentioning that your situation poses a problem with landlords, you might still be able to get a break with someone. Some apartments may consider your credit and eviction by charging you a higher deposit. I can look into some options for you if you are still looking into this. Don't promise anything, but would like to help.

Please connect with me at the email address below.

Persis Behramsha
REALM Real Estate Professionals
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0 votes 2 answers Share Flag
Sat Mar 28, 2015
Persis Behramsha answered:

Since this post is from February, I am not sure if you have already rented a place or not. If you are still considering possibilities, let me know and I can guide you through this.

If you have issues with credit or income, renting may be a better choice for now, however, if not, you might be surprised that in some instances, your house payment can be the same or less than your rent.

When you apply for a loan, the mortgage company takes into consideration your income, credit, and other expenses to make sure that you have enough to make your monthly payments on time. Have you found out what is on your credit report or what your scores are?

Your family is right to guide you to consider all the possibilities first before you make any decisions. Let me know how I can help.

Persis Behramsha
REALM Real Estate Professionals
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0 votes 2 answers Share Flag
Sat Mar 28, 2015
Persis Behramsha answered:

Have you connected with anyone yet to figure out how to get started on your home purchase. If you are still trying to figure this out, please let me know - I will be happy to help.

Low credit scores are a problem when you are trying to get a loan, but some times it takes just a little bit of effort to get to where you need to be. While your income is not a problem, obtaining a loan will be a bit difficult with your current scores. The down payment amount may be sufficient depending on the price of the home.

Wish you all the best in your first home purchase. Best way to reach me is at the contact information below.

Persis Behramsha
REALM Real Estate Professionals
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0 votes 9 answers Share Flag
Sat Mar 28, 2015
Persis Behramsha answered:
Hello Brenda,

Are you looking to rent or purchase something in Houston? Just want to clarify since your name links to New York...........

While your income may not be a problem depending on the price of the house (rental or purchase), your credit might depending on what your scores are.

Landlords conduct background checks that include criminal, rental, credit information. Often, depending on certain criteria, landlords will decide if income will suffice for the rental payments, and may charge extra security deposit or require 2 months rent ahead of time.

Please explain in detail what exactly you are trying to work on, so we can guide you accordingly.

Best way to reach me is at the information below.

Persis Behramsha
REALM Real Estate Professionals
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0 votes 5 answers Share Flag
Fri Jan 30, 2015
Garrett Stevens answered:
This is most likely the Home Owner's Association Fee. This is a required monthly fee that home owner's pay to be apart of a certain community. These fees typically cover items such as; yard maintenance, communal property insurance, water, trash, and even sometimes utilities.

Feel free to send me a link to the property and I can explain what exactly the fees cover.

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0 votes 2 answers Share Flag
Tue Jan 6, 2015
Michael Abramsky answered:
CreditFirm.Net has been around since 1997 and has an A+ Rating with the BBB.

For more info visit

Good Luck in your search!
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0 votes 3 answers Share Flag
Fri Dec 12, 2014
Armond Rainey answered:
If you have money and willing to pay extra deposit there are landlords out there that will accept you. Give me a call 713-444-3083 or email: so we can talk more in detail. ... more
0 votes 4 answers Share Flag
Mon Nov 24, 2014
Randy Tanner & Lindsey Racher answered:
Honestly, some owners do not look at bad credit as an automatic no. They will say no if you have an eviction. I would contact a Realtor in your area to discuss your rental options.
0 votes 3 answers Share Flag
Mon Nov 24, 2014
Lena answered:
I don't care what your credit look like or if you have any credit at all. I can help even if you don't have a social security number. I work with investors that have more properties than they can handle and are looking to do some rent to own with people of all credit situations. I can even get you in a credit repair program for next to nothing. You must have:

~2 years job stability
~make at least 40,000.00 a year
~Have no Felonies
~Small down payment

Credit doesn't matter, I can get you in a house of your choice in less than a week. Give me a call.
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