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If You Have Bad Credit, Can You Still Get A Mortgage?

January 14, 2009

"If you have bad credit, can you still get a mortgage?" Generally speaking - no. Or maybe I should say "not until you fix your credit". Fix your credit? How does that work? The truth is, I don't really know (how is that for honesty?).  But I can say that we work with a small handful of credit repair companies who help people remove inaccurate information from their credit reports … [Read more...]

All About Credit Scores (Part 3 of 3)

July 19, 2008

In our final installment of All About Credit Scores, I thought I would compile some of the Frequently Asked Questions that I have heard in the recent past (that I could remember at least!). "Will paying off a collection account remove it from my credit report?" No.  A paid collection account will remain on your credit report for seven years. If I have a collection, should I pay off the … [Read more...]

All About Credit Scores (Part 1 of 3)

July 17, 2008

Your credit score is a numerical representation of your statistical likelihood to repay credit that is extended to you.  Scores range from 350 to 850.  Your score is a "snapshot" of a specific moment and can change with new actions and the passage of time. Some things that can help you tip the scales in your favor include: Paying all of your bills on time or early.  Even a 30 day late on a … [Read more...]

Recent Items

  • How Does a VA Streamline Work?
  • Can you Use a Mortgage Assumption after a Divorce?
  • What are the Major USDA Streamline Guidelines?
  • How is the USDA Monthly Guarantee Fee Calculated?
  • How to Purchase USDA Foreclosed Homes?

Latest News

  • How Does a VA Streamline Work?
  • Can you Use a Mortgage Assumption after a Divorce?
  • What are the Major USDA Streamline Guidelines?
  • How is the USDA Monthly Guarantee Fee Calculated?
  • How to Purchase USDA Foreclosed Homes?

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Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

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