Дата публикации: 2018-05-27 16:07
When your mortgage company approves you for a loan, they look at your debt-to-income (DTI) ratio, which is the percentage of your gross income that goes toward debt. Your DTI can have a huge impact on your home loan.
my husband and I have been married for a little over 8 years and my credit is very poor, so could we still get approved for a house just going through him and leaving me off of it? if so where is the best place for us to get a home loan at? we live in Missouri.
The first thing I notice is your desire to purchase a manufactured/modular home. We offer financing on modular homes, but not manufactured ones. The major difference between the two is manufactured homes have a HUD tag and may or may not be on a chassis.
Pre-paid for an appraisal. They were so nice and polite during the first call, until I was asked to give them my credit card number. I mailed them a check. House came $855 under the required amount. Fees increased from $7855 to $7955. Lost my $555 but did not go through with the loan. Do your homework before you give them any money. Gary LeBlank
Depending on how low your fiancé 8767 s credit score is, you may not want him on the loan. Lenders use the lowest median credit score of all borrowers on the loan to determine qualification, so you may have to apply without him, but that means you can 8767 t use his income.
Personal Finance Documents
Over a dozen forms let you handle common financial situations, such as lending or borrowing money between friends or family, creating a bill of sale, and closing a credit card account.
I purchased a home with Quicken back in 7565 and had no issues. My home of course did not appraise for what the sales price was and we had to struggle with the seller to lower the price, since it was an FHA loan. After that, the process was really smooth. The lender full credited the deposit to my loan and I even got additional lender credits. I can 8767 t speak for anyone who has a bad experience, or whose home does not appraise, but I had a great experience.
My only suggestion would be to try and reach out to the lender on your home with your husband and see if there 8767 s anything they can do to get you up the loan even if it 8767 s not a full refi. It 8767 s a very difficult situation if you don 8767 t get off.
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