Credit Cards For Fair Credit » fha http://credit-cards-for-fair-credit.com Credit Cards For Fair Credit Thu, 24 May 2012 10:56:41 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 My fiance and I are trying to buy a house. I have a fair credit score at 680. She has a near perfect credit.? http://credit-cards-for-fair-credit.com/9449/my-fiance-and-i-are-trying-to-buy-a-house-i-have-a-fair-credit-score-at-680-she-has-a-near-perfect-credit-2/ http://credit-cards-for-fair-credit.com/9449/my-fiance-and-i-are-trying-to-buy-a-house-i-have-a-fair-credit-score-at-680-she-has-a-near-perfect-credit-2/#comments Wed, 06 Jul 2011 16:51:26 +0000 Author What should we do in terms of the mortgage? I have been told that we would have to pay many "points' if we co-signed on a conventional loan. I have also been told that FHA may be the way to go. What is the best path here? The one thing we do have working for us is a large down payment which we have accumulated over the past years. Any help out there?


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    ]]>     http://credit-cards-for-fair-credit.com/9449/my-fiance-and-i-are-trying-to-buy-a-house-i-have-a-fair-credit-score-at-680-she-has-a-near-perfect-credit-2/feed/ 2     How to raise credit score 28 points in 2 months? http://credit-cards-for-fair-credit.com/3903/how-to-raise-credit-score-28-points-in-2-months/ http://credit-cards-for-fair-credit.com/3903/how-to-raise-credit-score-28-points-in-2-months/#comments Mon, 26 Jul 2010 00:00:13 +0000 Author

    I want to apply for an apartment but they need a 625 credit score. I lost my job for a few months and am now behind on two accounts.
    My credit score is 597. I can bring the accounts current in less than three weeks but will just that be enough to raise my score those 28 points? I don't want to waste my application fee just to get rejected.


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    ]]>     http://credit-cards-for-fair-credit.com/3903/how-to-raise-credit-score-28-points-in-2-months/feed/ 4     plese tell me how bad or fair my credit scores are? http://credit-cards-for-fair-credit.com/3885/plese-tell-me-how-bad-or-fair-my-credit-scores-are/ http://credit-cards-for-fair-credit.com/3885/plese-tell-me-how-bad-or-fair-my-credit-scores-are/#comments Sun, 25 Jul 2010 19:13:54 +0000 Author

    hi i would like to apply for a loan through a credit union (TDECU) but i'm scared my credit score isnt high enough. my future husband has somewhat good credit and is already on his second loan with that credit union and would co-sign for me, but i wanted to try by myself to improve my credit. i have my credit scores from all three bueaus. please tell me if u think it would be possible to get a loan by myself with them. and also which credit bueau do they check the most.
    604
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    ]]>     http://credit-cards-for-fair-credit.com/3885/plese-tell-me-how-bad-or-fair-my-credit-scores-are/feed/ 8     What are the factors involve if a credit card application denied? http://credit-cards-for-fair-credit.com/3855/what-are-the-factors-involve-if-a-credit-card-application-denied/ http://credit-cards-for-fair-credit.com/3855/what-are-the-factors-involve-if-a-credit-card-application-denied/#comments Sun, 25 Jul 2010 02:26:16 +0000 Author

    I have a good credit score. 'B' = 800 out of 900 something

    I dont know why I got denied.


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    ]]>     http://credit-cards-for-fair-credit.com/3855/what-are-the-factors-involve-if-a-credit-card-application-denied/feed/ 1     What is a short sale and how long you have to wait to buy another house again? http://credit-cards-for-fair-credit.com/3643/what-is-a-short-sale-and-how-long-you-have-to-wait-to-buy-another-house-again/ http://credit-cards-for-fair-credit.com/3643/what-is-a-short-sale-and-how-long-you-have-to-wait-to-buy-another-house-again/#comments Tue, 20 Jul 2010 21:38:38 +0000 Author

    I heard a short sale in when you can pay or can sell your house for the amount you bought it for... For example I bought my house for 5k and now it cost between 0k to 0k, so it is upside downs for around k. I heard that I can hire a realtor he will sell it for a less amount and the rest the bank will "eat it". But I have to wait certain years to buy another house again. How many years do I have to wait to buy again?


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    ]]>     http://credit-cards-for-fair-credit.com/3643/what-is-a-short-sale-and-how-long-you-have-to-wait-to-buy-another-house-again/feed/ 5     Possible to buy house w/ bad & no credit? http://credit-cards-for-fair-credit.com/1713/possible-to-buy-house-w-bad-no-credit/ http://credit-cards-for-fair-credit.com/1713/possible-to-buy-house-w-bad-no-credit/#comments Tue, 08 Jun 2010 21:39:24 +0000 Author

    my husband has a decent job with decent pay and we would like to buy our first home. the thing is, he had bad credit - paid it all, now he has no credit. i have bad credit, still a bit of unpaid debt which i got before we were married. now, how does this work? i see people w/ worse credit getting homes but i feel like the door is shut. we live in texas. what kind of programs should we look for? can someone explain FHA for me? what would a loan officer or whatever they're called do for us? we agreed that it won't matter if we pay more in the end, as long as we finally get our own home but we are both very young and have no clue where to start. i feel like we'll be laughed at because we'd have little to no money down, we could pull our 401ks but that's only if it's absolutely necessary to get into a house. we've rented apts for 5 yrs and have never missed a rentpayment. can someone here take the time and explain a couple of the first steps we would need to take? i'd really appreciate it!


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    ]]>     http://credit-cards-for-fair-credit.com/1713/possible-to-buy-house-w-bad-no-credit/feed/ 3     What are the chances I get a home loan? http://credit-cards-for-fair-credit.com/1148/what-are-the-chances-i-get-a-home-loan/ http://credit-cards-for-fair-credit.com/1148/what-are-the-chances-i-get-a-home-loan/#comments Sun, 23 May 2010 07:13:12 +0000 Author

    I have filed bankruptcy a little over a year ago. I have students loans and 2 credit card bills. I own my car. I have a fair credit score. I make around ,000/yr. What are the chances I get a loan? Also what is your guess as to how much I would receive?
    I have never owned a house before. I have filed bankruptcy a little over a year ago. I have students loans and 2 credit card bills. I own my car. I have a fair credit score. I make around ,000/yr. What are the chances I get a loan? Also what is your guess as to how much I would receive?


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    ]]>     http://credit-cards-for-fair-credit.com/1148/what-are-the-chances-i-get-a-home-loan/feed/ 11     how to improve my credit score without a credit card? http://credit-cards-for-fair-credit.com/1144/how-to-improve-my-credit-score-without-a-credit-card/ http://credit-cards-for-fair-credit.com/1144/how-to-improve-my-credit-score-without-a-credit-card/#comments Sun, 23 May 2010 07:12:14 +0000 Author

    I have a debt of 897.00 on my credit score that has been paid already, I need to build my credit to buy a car my credit score is 550 and I'm not planning on getting a credit card to build my credit. How can I build my credit?


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    ]]>     http://credit-cards-for-fair-credit.com/1144/how-to-improve-my-credit-score-without-a-credit-card/feed/ 4     does bad credit ruin my chances of obtaing an auto loan? http://credit-cards-for-fair-credit.com/1136/does-bad-credit-ruin-my-chances-of-obtaing-an-auto-loan/ http://credit-cards-for-fair-credit.com/1136/does-bad-credit-ruin-my-chances-of-obtaing-an-auto-loan/#comments Sat, 22 May 2010 19:31:47 +0000 Author

    i am applying for an auto loan through hbsc and i currently have a low to fair credit score. i also have a credit card that is closed and still unpaid. does this ruin my chances of being accepted for the car loan. Should I pay off my credit card first, or should i start a payment plan??? pleasssse help ASAP


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    ]]>     http://credit-cards-for-fair-credit.com/1136/does-bad-credit-ruin-my-chances-of-obtaing-an-auto-loan/feed/ 10     Grad student – am I a good candidate for a mortgage? http://credit-cards-for-fair-credit.com/960/grad-student-am-i-a-good-candidate-for-a-mortgage/ http://credit-cards-for-fair-credit.com/960/grad-student-am-i-a-good-candidate-for-a-mortgage/#comments Sat, 15 May 2010 12:54:11 +0000 Author

    I am 23, turning 24 this year. I am a PhD graduate student and will be for another 3-4 years. I am paid a stipend of k/yr and my tuition and health insurance is covered as long as I'm in school. My FICO is 760. I have k in student loans from undergrad that are currently deferred until I'm finished with school. I have no credit card or consumer debt, never had. I have k in retirement funds and k in an emergency fund. My savings account should be up to k by December, unless something goes wrong. All this I have saved from my measely income for 2 years. I also own my car outright, paid for in cash. (In that timeframe I've also covered moving expenses and an apartment full of new furniture + electronics.) So I would say I'm pretty good with money for my age.

    My current rent is 5, nothing included. I'm wondering if it is smarter to buy. I will stay in the area for another 3 years, perhaps more if I decide to stay and work here after graduation. I have a good FICO score so I think I would get a reasonable rate (5.0%?). My credit report shows 5 years of history, all my accounts are in good standing, nothing negative. My available credit limit is approx. k and I never carry balances. In my area, I can get a 1bd/1ba condo for 0k, HOA fees approx 0/mo. If I apply for a 30yr mortgage, according to the calculators my monthly payment can range 0-730. I will only have the k from savings to put down though. But with Obama's k incentive.... do you think I should even be thinking about buying? I would just really like to have a "home" and not have to apartment-hop after every lease due to management, move furniture, not allowed pets or this or that anymore.

    Would they even look at me if I walked into a bank to ask about my loan eligibility?

    TIA. Advice from loan officers or those experienced in mortgages are greatly appreciated!
    I want to add that I would do the FHA.


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