I filed bankruptcy about 4 years ago and my credit has been raising slowly. I pulled my credit report and found two medical collections against me that were not mine. I contacted the proper people and they agreed to remove them. Only one was removed and I have been trying for 6 months to get the other off. I have a letter stating they both were to be removed, but when applying for a mortgage online they pull my credit report and see a collection against me.
My debt to income ratio is pretty low so I sould qualify for a home purchase loan, but I have been turned down by my credit union.
Who offers home loans for people with credit problems?
Hi, I’m looking at buying a house later this year with my partner. I have a poor credit score, but hers is good.
I had a few financial problems just over 3 years ago, and haven’t applied for any credit since.
I’ve been financially very stable in this time, but have made no credit applications, which has made my score worse.
My partner has a mortgage, and we both have full time jobs earning £30k a year each(£60k a year)
We’re looking at buying at £200k, with a £40k deposit. Am i kidding myself wanting a mortgage of £160k?
Everyone in my family has bad credit. I don’t have any friends that I can ask cuz we all are in the same situation..Do you know where I can get a student loan with bad credit or what to do when you absolutely have no one to co sign the loan…?? HELP!!! thanks 
I found a condo in NJ and I am looking for a mortgage loan but I have really bad credit (400s-500s). Any lenders in NJ that anyone has had experience with getting people with bad credit a home loan? I have a good job and i am working on my credit.
actually i just found out my credit is 580… will any lenders willing to work with me in NJ? i called country wide and they couldn’t help me.
Is it possilble to get a good mortgage with poor credit?
i have paid off all past due on my credit report,my credit is poor,but nothing owed
I am a college student w/bad credit and i need to get a loan for school?
I have bad credit and my parents cant cosign a loan because they have bad credit too. I have nobody else who would cosign for me. I dont know what to do now because if i dont get a loan for college I cant go. All I need for the loan is 00.00 for the whole year. I didnt any financial aid and i have maxed out the loans from the gov. I dont know what to do? If i can get a student loan with my credit who do i go through to get one?
Can I get a mortgage with poor credit but cosigner with credit scores of mid 700’s but high DTI?
I am recently divorced and reestablishing my credit. I had scores in the 620 range until I disputed some inaccurate items on my report. Cleaning them off dropped my scores to mid to high 500’s because of losing history. I also have limited income. My father offered to cosign a home for me; he has job history and credit scores in the mid 700’s but high DTI. Is there any way I can still get a mortgage? We want my name on the loan to help build my credit. I have to be out of my apartment where I have been paying 0/mo rent and can own a home for about 0. I have found my dream home but it is 000. Any help or suggestions would be welcomed! I do have a down payment if necessary from my settlement but would like to not have to use it all on a down payment.
David S-First of all, by the time I would save 80k, the house would be double that price and most likely NOT for sale! Secondly, going into debt to OWN something is far better than paying someone else’s mortgage if I rent. And thirdly, did I mention I have 3 children who need a home as well? Maybe we can live with you since you suggested I ‘just move in with someone’.
How to I get a mortgage with poor credit in New York?
I have been paying the same amount in rent as I would pay for a mortgage and I would really like to own a home. I know there are loans for poor credit but I am afraid that I will pick the wrong one. I realize with poor credit I shouldnt be looking into this but I am now better capable of handling my finances and have a steady income. I know which home I would purchase, just need to find a good mortgage. I dont want to jeopardize my family and end up with the wrong loan.
I have about 25,000 in savings for a downpayment which I realize I still need more……to avoid pmi . I plan to stay in the house for a long time.
