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Can I refinance my home with a low credit score?I have a credit score of 457, my house is paid for I dont owe anything, is there anyway for me to get a loan in michigan?
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Tags: assistance, bad, consolidation, credit, debt, Down, estate, first, homebuyer, Homes, mortgage, payment, real, refinance, Repair, time
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August 28th, 2009 at 1:52 am
They are refinancing all people. But as rule of thumb, don't refinance unless rate is 5% or less. Many places are offering that rate and lower. Major problem for most people is property being worth amount of new mortgage. My credit union is offering 30 year convential mortgages for 4.625% with 2 points. So the rates are out there. Check with credit unions or go to bankrate.com for bank rates.
August 28th, 2009 at 2:51 am
The blunt answer with that score is NO.
PLEASE do not let yourself be taken in by the scum who will solicit you here 99.99% are scams, want money up front, and get you NOTHING!
August 28th, 2009 at 9:54 pm
I haven't seen any loans with less than 3% down + closing costs in 4 months.
If she is on an ARM, she should have a good rate now, since the prime rate is so low.
All of these refis are costing her 1-2% of the loan by the way. That goes out the window.
August 28th, 2009 at 10:32 pm
Find a mortgage broker who specializes in challenged credit. In the meantime, try to bring your score up to 580 which is usually the cut-off point for getting decent rates when refinancing.
August 29th, 2009 at 6:30 pm
August 30th, 2009 at 3:07 pm
Emma without knowing the following, there is no way any of us can give you a realistic answer:
1. current interest rate
2. prepayment penalites, if any
3. how long ago was the mortgage originated and did you pay points
4. current costs for re-fi: appraisal fee, loan document fee, credit report fee, points etc.
5. balance you are trying to re-fi
You have not given us near the info needed to give you a good answer
August 30th, 2009 at 10:52 pm
Bad credit is one of the worst problems to have… however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers!
August 31st, 2009 at 10:35 am
just move out of baltimore it's cheaper