very good advice

M,G LANE-THURSDAY,SEPTEMBER 10, 2009 8:27 PM.I RECEIVED BANKRUPTCY DISCHARGED,IS IT POSSIBLE FOR ME TO GET A SMALL LOAN FOR A HOUSE.

Very Helpful, I'm new to this and this really helped me feel more comfortable. Like I feel like I know a little more of what to do and ask for!

I'm a working widow in my mid 50's. Have desired to own my home for years and I think this time is a golden opportunity now that home prices are so low. With a good credit, anyone may qualify for Gov. down payment assist. program for up to 30/25K plus the 8k tax break until 12/09. I believe there's a great opening for low income families to take advantage and get a home cheaper than paying rent while it lasts! My advise to all readers is: Guard your credit as your very soul, spend wisely with your future in mind, asking for God's guidance always. There are a lot of crafty wolves out to get you unless we get educated on what to look out for and what serves our best interest.

I have been trying to refinance for some time even up under the obama's loan modification plan. I have not had any success at all every seem to be asking me for large amount of cash,I can tell that is a scam. If your company can help me give me a call 678-777-8570

Helpful

im looking n2 buying my 1st home and wondering what programs 2 apply for and i dont have any actual credit i have never had any loans and i have a bunch of inquiries on my credit report

good

BEFORE applying for a loan or refinancing and "PAYING" the application fee, make sure you get all the facts! Find out what your income and credit rating must be to qualify or what your home must appraise for to be eligible. Some lenders will take your "Nonrefundable" $500 application fee without finding out if you qualify or giving you all the facts. Also your credit rating can determine the interest rate you qualify for. Find out what yours is and ask if it changes the rate they will offer. When refinancing, unless you have know you have a lot of equity in your home, talk to a local appraiser and get an idea what your home is worth. The loan to value factor can determine if you get the loan and how much you have to pay at closing. I have an excellent credit rating (over 750) but the appraiser made several mistakes and, even though they were obvious errors, the lender would not order another so my loan to home value ratio was low and the amount to close was higher than I could afford.

im looking into purchasing a home, its not my first time and my credit is not good, what hurts me is students loans and have 2 crd cards unpaid of low amnts...i do have big down paymnt., and would like paymnts on 700-800. What would you recomend?