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Credit Score in Queens County : Real Estate Advice

  • All75
  • Local Info0
  • Home Buying49
  • Home Selling6
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Activity 16
Tue Nov 24, 2015
Linda Johnstone answered:
Attention:


Let me take out time to inform you just if you are interested in Project Financing, Real Estate Investment, Business Loans from certified private lenders We loan with Interest starting from 5% APR. We are able to fund your project even with bad credit

Contact us with the email below


Linda Johnstone Financial Inc
128 Concord Dr Suite 10,
Greenville North Carolina
Mail: lindajohnstonekivaloans@gmail.com
Tel: +1 828 572 3329
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Tue Nov 24, 2015
Mikewalford08 answered:
I am Mike, I have a credit score of 628, and I am looking for help. My rent is close to 800 dollars, and everytime ny fiance w I try to save money for a house it gets taken towards our rent. I have a few negative things on my credit report. Is there help? I have a disabled child. The place rhat we live in is low income. ... more
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Tue Nov 24, 2015
Jessica Bateman answered:
Yes it is.. There are lenders that require a 580-600 credit score for FHA loans. I've had some clients get approved by The Lenders Network with low scores so I'd check with them first. Good luck! ... more
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Tue Nov 24, 2015
Kathy Burgreen answered:
Ignore Amelia's advice since she is not familiar with NYC real estate. I'm a retired real estate broker in Westchester. Your issue is you won't qualify for a condo. Condo prices are much higher than $230,000. + you will have to pay a monthly HOA fee (building maintenance fee) + property taxes. HOA fees average $500./month.
If your budget is $230,000., you will qualify for a coop, but you will need to pay a monthly maintenance fee which includes your property taxes.
What I strongly suggest is instead of contacting a mortgage lender, you need to cut your expenses, pay off any outstanding debt and save as much money as possible. Since you don't plan to move for another 1.5 years, you have plenty of time to build up your savings and increase your credit score. You will find the home buying process so much easier in 1.5 years if you do as I suggest.
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Tue Nov 24, 2015
Jeri Patrick answered:
I would contact a local lender to see how long you need for foreclosure to come off. Best of luck
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Wed May 7, 2014
alvarezm318 asked:
I am trying to rent an apartment but was told by the management company when they ran a credit check it a tenant/landlord case appeared in my name. I was sued by a previous landlord when…
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Mon Jan 13, 2014
Anu Dutta answered:
We specialize in rentals, please check www.WERENTNY.com for all our listings
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Sat Dec 21, 2013
Anna M Brocco answered:
Really depends on the landlord/building, each is different....
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Sun Aug 25, 2013
Rosemarie Tucker answered:
If you have less than a desirable credit score due to bad credit or very little credit history, getting a co-signer may help you get into your apartment. A co-signer is a guarantor and the guarantor is secondarily liable on an obligation. You could ask a family member or close friend, with good credit, who’s willing to sign their name on your lease. He or she will assume financial and legal responsibility for your apartment if you default on rent payments ... more
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Tue Dec 4, 2012
Alina Bogosian answered:
There are other factors that go into consideration when applying for loans, you should speak with your local mortgage broker or bank to discuss your options. Feel free to contact me anytime if you have any questions or would like me to refer you to someone for a complimentary pre-approval. You can reach me at 347-463-2979, I look forward to speaking with you soon! ... more
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Tue Dec 4, 2012
Rinku Uberoi answered:
Credit score is one factor. There are many other things to consider as well such as your job income, references, etc. Also each landlord has his own requirements. Some will also check the credit score and job info of your spouse. ... more
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Tue Sep 11, 2012
R Wright answered:
Yes. I can get it done with a 580 middle Fico. Cannot have a 30 days late on credit. Call me to discuss anytime at 914-299-0420.
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Mon Apr 16, 2012
Trevor Curran answered:
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm


The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.


Trevor Curran
NMLS #40140
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Thu Jan 5, 2012
Gail Gladstone answered:
I don't have a lot of trust in some of these agencies and it is not so simple to just do it yourself.

I always refer these issues to kevin Quinn who specializes in this and although not an attorney, he works in conjunction with a law firm; everything on the up and up.

You can reach Kevin at 516-761-3470 or kevin@lawofficesofmardarosenbaum.com.
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Sat Aug 14, 2010
Anna M Brocco answered:
You can begin by paying all bills on time, consider a secured credit card--depending on your situation, if you have a loan officer, consider asking him/her the question--he/she can best advise as it relates specifically to you. ... more
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