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Richmond : Real Estate Advice

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  • Local Info0
  • Home Buying5
  • Home Selling0
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Activity 6
Tue Dec 11, 2012
Marita Topmiller answered:
Hi Lubieann,

There are some great home buying opportunities in your area. Keep cleaning
up your credit and then start putting money back toward down payment and
closing costs. Hopefully, you will find a seller who can pay most of your closing
costs, but be pro-active about it yourself. Make sure there are no judgements
against you and if there are arrange to get them removed. Speak to the loan
officer at your local bank and ask his/her opinion as to what to do to raise your
score faster. You can do some research online to discover ways to do this.

Most banks right now want your credit score in the mid 600's.

Thanks for asking and have a wonderful Holiday Season,

Marita
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Thu Apr 18, 2013
Tim Moore answered:
Sat Mar 19, 2011
Anna M Brocco answered:
For any legal rights you may have, do consult with an attorney who specializes in real estate; he/she can best advise as it relates to your specific situation....
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Wed Dec 29, 2010
Laura Brune answered:
The Federal Trade Commission (FTC) has a very informative website explaining all the various options that are out there when folks such as yourself possibly find they are falling behind on mortgage payments and wants to stall/stop the foreclosure process. The website is: http://www.ftc.gov/bcp/edu/pubs/consumer/homes.

The short answer is that the number of months you can be behind in your payments in any state depends on who your lender is and what the various elements of your current loan are. Hope this site helps.
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Tue Oct 22, 2013
Mack McCoy answered:
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