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Financing in Willingboro : Real Estate Advice

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  • Local Info6
  • Home Buying31
  • Home Selling1
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Activity 8
Tue Jan 28, 2014
The Rifkin Team answered:
It sounds like your an excellent candidate for a loan. I have an excellent lender that I work with who I would be happy to pass along your information to and have him reach out to you. If for any reason you are unable to qualify for a mortgage at this time he will be able to help you with exactly what to do to raise your credit score and get you qualified in the near future.

Please give me a call or shoot me an email and I would be happy to help.


Thanks
Samuel Rifkin
609-315-9119
SamSellsNJ@gmail.com
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0 votes 11 answers Share Flag
Thu Sep 27, 2012
Trevor Curran answered:
Good afternoon cmyersnola,

We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here's some simple advice for you.


It is unlikely you could be approved for mortgage financing with that credit score at this time.


Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.


Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams.

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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0 votes 1 answer Share Flag
Wed Jul 11, 2012
Ines De La Cruz answered:
Hello Deyaco5846,
Thank you for your question.
I just talked to William De La Torre on 856-562-2286 from Wells Fargo Home Mortgage and he told me that with an income of $2000 a month you will be able to qualify between $80,000 to $100,000 depending on your debt. Feel free to call him.
There are several pieces of information that will determine your purchasing power. He or other loan officer will be the best qualified to let you know how much and what programs you may be qualified for.
Let me know if you have any other questions.
Good luck,
Ines De La Cruz, Realtor, ABR
RE/MAX Connection
inesdelacruz@remax.net
www.inesdelacruz.com
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0 votes 6 answers Share Flag
Mon Jun 18, 2012
Camille Marotta answered:
First you need to determine what your credit score is. if you have a credit score of 580 or above we can offer you a FHA mortgage with 3.50% down. If your credit score is less than 580 and greater than 530 we can offier you a FHA loan with 10% down.

if you would like to be qualified for a purchase money mortgage, i would be happy to speak to you.

Camille Marotta
Branch Manager
NMLS 9838
First Alliance Home Mortgage
7 Pelican Drive
Bayville, NJ 08721
I have enjoyed 30 years in the mortgage lending industry and it is the 30 years of experience that will provide you with a successful lending experience,.

Camille
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0 votes 3 answers Share Flag
Thu Jun 14, 2012
Larry Sarlo answered:
You can short sale and buy now also. But you must meet certain criteria. Not difficult .

You should not feel alone. There are many people like yourselves out there. Your credit worthiness is critical in buying any home.

Do you want to save your home? Do you want to stay in your home? You have options...

Search foreclosures and short sale here: www.BuyNJShortSales.com
Search the MLS on your phone by Text: In the subject line on your mobile phone- LSAR1 -to number 87778 ... hit send... A GPS feature for listings at your finger tips
Larry Sarlo
RE/MAX Preferred
609-868-1171 call / text / email 7 days
lsarlo@comcast.net
www.larrysarlo.com
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0 votes 2 answers Share Flag
Thu May 24, 2012
Robert Greenblatt answered:
Hi John.

I regularly work with lenders who specialize in credit challenges. Call me....856-575-1818.


Here are a few testimonials from recent First-time buyers:

"It was such a pleasure working with Rob! Being first time home buyers, my girlfriend and I were a bit intimidated by the whole process. Rob definitely made sure that all of our questions were answered and all of our worries attended to. He's a patient, easy to talk to, and dedicated individual who kept the house hunting process fun and exciting. Can't wait to work with him again with any future real estate business we may have." - MC

"Robert is an expert when it comes to homes in South Jersey. He is also very generous with his time and knowledge and will not stop until you find the house that fits your wants and needs. He stuck with me for 6 months until I found my home and now I just moved in! Thanks Rob!" - RH

"Finding our home wasn't easy. We had many pitfalls during our quest for the perfect house. He was always there and when we wanted to give up, he always has an encouraging word. Anything we needed or had questions about if he could help us he did. I would definitely recommend him." SP

Call me, 856-575-1818.

Robert Greenblatt
Keller Williams Realty
856-575-1818
The Agent That Always Calls You Back!

PS - my website has demographic information for all towns in the area. You can find school ratings, crime statistics, and much more.
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0 votes 5 answers Share Flag
Thu Dec 8, 2011
Shawn Ryan Rosa answered:
absolutely. your re-fi has nothing to due with payments you on on the original mortgage. even if you re-fi with the same mortgage company
0 votes 5 answers Share Flag
Thu Dec 8, 2011
Shawn Ryan Rosa answered:
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