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Credit Score in 78760 : Real Estate Advice

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Activity 7
Wed Jan 15, 2014
Steven Nusinow answered:
Are you looking for a home in Austin. If so, it is easy where to me.. I will hook you up with a choice of great lenders, show and analyze homes that meet your criteria, and help facilitate your dream with the appropriate negotiations, inspections, etc.

With rates so low, home ownership can make more sense then renting in a lot of Austin.

Please feel free to contact me anytime.

Steve Nusinow
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0 votes 10 answers Share Flag
Tue Jun 26, 2012
Don Groff answered:
Never heard of that... not sure how they could even accomplish this. First you would have to prove you lost your home due to bad lending practices. Many people lost their home due to the economy and countless people walked away from homes they could afford because the value dropped.

While I am sure there were a lot of bad loans made people also have to take responsibility for their actions. I know there of plenty of people who were taken advantage of but there are just as many if not more who worked the system to their advantage.
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0 votes 7 answers Share Flag
Sat Apr 27, 2013
Since you ask this in a Real Estate section.... I would say Mortgage Late. Quite a bit more pain with that.

Let me explain.

We use the FICO scoring model by the Fair Isaac Co.
Our FICO is a 'Mortgage Enhanced' FICO
If you went to buy a car... you would get an 'Auto Enhanced' FICO

Given that you are likely asking about a Mortgage Score.... The mortgage late would be huge.

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 2 answers Share Flag
Fri Feb 10, 2012
Nanci Zimmerman answered:
You will have to check with a mortgage broker to find out the best loan program for your needs. I will be happy to help you through the process. What monthly payment can you afford and then we can go from there.
Also, what particular part of Austin are you interested in West, North, South, etc...

Thanks and you may contact me at 512-784-8692 or nancizimmerman@ I would be happy to send you property that is available to you in your price range. Just send me an email address with your information.

Best of Luck to you!

Nanci Zimmerman
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0 votes 21 answers Share Flag
Sun Aug 18, 2013
John Crowe answered:
That might be tough with the score. Speak with a good lender, you'll find out quickly whether you do or do not have options.

Good luck.
0 votes 7 answers Share Flag
Fri Dec 9, 2011
Nanci Zimmerman answered:
Hi Mr. Garcia

I can give you some websites that will be helpful to you to get your credit back on track- these are free to you. Please send me your email address and I will forward the information to you.


Nanci Zimmerman
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0 votes 13 answers Share Flag
Thu Dec 1, 2016
Jeffrey Schnabel answered:

Why don't you work with the seller and arrange a short term lease, with an option to purchase. This is a viable solution to your problem. You should have someone negotiating on your behalf so that you get the best deal, but this seems like a triple win. You get to live in the home, you pay a lease rate that might be similar to your new payment (or maybe less), and you get the house you want.

If the owner's can't move out, you could still structure a deal that is an future date purchase. You can structure this pretty easily too.

Call me if you want to discuss.

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0 votes 25 answers Share Flag
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