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60517 : Real Estate Advice

  • All13
  • Local Info1
  • Home Buying8
  • Home Selling1
  • Market Conditions0

Activity 12
Wed Oct 5, 2016
Simondistintive4944 answered:
My credit score was 510 a friend recommended me to retro few weeks later my score shot 760, contact them if you need such service Alphacredittunnel@cyberservices.com you will be grateful. or message them at +1 480 439 6115. ... more
0 votes 5 answers Share Flag
Thu May 14, 2015
MegSM answered:
It's very possible that you can still rent a home even if you have bad credit. Bad credit doesn't necessarily mean a bad tenant. The best thing you can do is to educate yourself as to what is on your tenant screening report. This allows you to be upfront with your prospective landlord when you go to apply. Start a dialogue - as them what their criteria standards are for tenant selection. This will let you know before you apply whether or not you have a chance of being accepted.

Great Resource:
MyScreeningReport.com is an applicant initiated tenant screening report. It allows you to be in control of your report - you order it, you review it for accuracy prior to sharing with your prospective landlords. Because this is applicant initiated, it reflects what is called a "soft inquiry" on your credit report - meaning that it will not negatively affect your credit score. Additionally, these are called "portable" reports - you pay one screening fee and have access to sharing with as many landlords as you need for a 30 day period.

Hope this helps!
... more
0 votes 39 answers Share Flag
Tue Jan 13, 2015
Riccardo Wardlow answered:
You are already ahead of the game, there are several options for yo at this point.

Riccardo Wardlow
Sales Manager
NMLS 219402
Cross Country Mortgage
630-670-8266
323 546 8066


Specializing in Illinois and California
RATED A+ WITH THE BBB

*We do Conventional loans down to a 620 score
*We do FHA loans down to a 580 score
*We do USDA loans down to a 620 score (no money down)
*We do $100 down payment FHA program
*Unlimited Loan To Value refinances on Fannie/Freddie refinances (only on loans originated before May 31st 2009
*We do VA loans down to a 600 score
*We give free counseling on what needs to be done to improve your credit score.
*We do 203k loans down to a 640 score
*We do reverse mortgages
*We do JUMBO loans to 12 million
*Investment properties
*Closing loans in 3 - 3.5 weeks
... more
0 votes 9 answers Share Flag
Thu Oct 23, 2014
Riccardo Wardlow answered:
the process is as easy as anything else you have bought.

Riccardo Wardlow

Cross Country Mortgage
630-670-8266
Specializing in Illinois and California
RATED A+ WITH THE BBB

*We do Conventional loans down to a 620 score
*We do FHA loans down to a 580 score
*We do USDA loans down to a 620 score (no money down)
*We do $100 down payment FHA program
*Unlimited Loan To Value refinances on Fannie/Freddie refinances (only on loans originated before May 31st 2009
*We do VA loans down to a 600 score
*We give free counseling on what needs to be done to improve your credit score.
*We do 203k loans down to a 640 score
*We do reverse mortgages
*We do JUMBO loans to 12 million
... more
0 votes 10 answers Share Flag
Mon Oct 13, 2014
Bradley Neumann answered:
You can look them up on the county website. If you need help please call and i can walk you through it.

For mortgage help, call (855) 893-1177 or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states and you can apply online at http://www.myccmortgagebn.com. We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 893-1177.

Brad Neumann
Branch Manager
Crosscountry Mortgage Inc.
Phone: (855) 893-1177
Email: bneumann@myccmortgage.com
NMLS# 948036
... more
0 votes 8 answers Share Flag
Mon Oct 13, 2014
Bradley Neumann answered:
I recommend working with a licensed realtor and they can help answer these questions about specific properties through the MLS system. I know several that will help if you want to contact me.

For mortgage help, call (855) 893-1177 or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states and you can apply online at http://www.myccmortgagebn.com. We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 893-1177.

Brad Neumann
Branch Manager
Crosscountry Mortgage Inc.
Phone: (855) 893-1177
Email: bneumann@myccmortgage.com
NMLS# 948036
... more
0 votes 13 answers Share Flag
Mon Oct 13, 2014
Bradley Neumann answered:
I have a company that I have seen first hand help clients go from denied to qualified. Please call or email if you want the name and details.

For mortgage help, call (855) 893-1177 or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states and you can apply online at http://www.myccmortgagebn.com. We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 893-1177.

Brad Neumann
Branch Manager
Crosscountry Mortgage Inc.
Phone: (855) 893-1177
Email: bneumann@myccmortgage.com
NMLS# 948036
... more
0 votes 8 answers Share Flag
Tue Aug 6, 2013
Ron Thomas answered:
Fri Nov 9, 2012
Sharon Altier answered:
A licensed Realtor can help access your situation for you, but perhaps talking to a mortgage broker may help you understand your financial situation and help you determine the best path for you to follow. You would hate to fall in love with a home and find out that you are not able to qualify for a loan . Home ownership has its rewards as well as potential overhead that you may not be ready to handle. A realtor can help set you up on reports that will show you what is available in your price range, as you get qualified by a mortgage broker, and then you can begin the process of finding your dream home.

It is an exciting adventure to find a new home, but proceed cautiously so you do not get in over your head! You may find it is better to continue saving for another year or so before you take the plunge and enter more debt.

I would be happy to help you any time. Feel free to contact me (#630-607-0705). Happy hunting!
... more
0 votes 5 answers Share Flag
Mon May 28, 2012
Lester S. answered:
the simple answer to your question is that the seller/owner has NO obligation whatsoever to notify the bank that they have received an offer. in typical (more on this later) short sale situations, banks DO NOT review offers since they do not own the property. the bank is not considered a principal or party to the transaction. the seller and seller's agent negotiate the offer as in any normal situation and if an agreement/contract is reached, it is contingent/subject to the sellers' bank(s) approval, then submitted to the sellers' bank(s) to see if they will accept the "short" net proceeds of the sale after normal expenses are covered. the bank can approve, counter or reject the sale or any of the expenses involved.

ok, now the explanation for a "non typical" short sale for which the above does not apply....if an owner has been in touch with the bank prior to the short sale and the bank has pre-approved the owner for a short sale in a written agreement with a preapproved listing price by the bank, the bank will probably want to know about all offers and may suggest that you sign and forward any offer you get for their review. in these cases I suggest you (if you are a seller) have this conversation with the lender regarding any offers you might receive ahead of time and follow their suggestions/direction
... more
0 votes 5 answers Share Flag
Tue May 8, 2012
Elena Taylor answered:
Owners can request whatever they like but I do agree that 5 months security deposit is unusual and unreasonable. How is your credit? I have worked with clients whose credit is low and they have had to pay a higher deposit but never 5 months. Good luck! ... more
0 votes 3 answers Share Flag
Fri Aug 1, 2008
Mark Roncone answered:
Jen,

The seller is the current owner and all offers must be accepted by the owner subject to bank approval before being submitted to the bank. The banks can take 30-45 days or longer to approve the offer. Hope it works out well for you! ... more
0 votes 15 answers Share Flag
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