If your husband and you both have poor credit due to unforeseen circumstances but have a perfect rental history for 1500 month can you still be approved for 100 financing in New Jersey?
You don't say what your credit scores are so I will tell you this-- if your scores are 560 and above, your credit scores are low because of past due payments, you don't owe any outstanding balances on accounts that have been charged off (as they will have to be paid off at the closing)--you can get an approval.
You will need closing cost money as sellers won't be able to pay it all.
You need to find a mortgage loan broker--call the state licensing dept and get names of companies in good standing. Talk to several people-meet with them--don't just go with the first good talker unless he/she out talks the others. He/she needs to work with several lenders with a variety of programs. Get everything in writing--fill in all blanks. Do not give your social security numbers to anyone until you are ready to have your credit pulled.
Have all your paperwork ready--bank statements (last 2 months-no nfs showing), any assets that you can show like savings, life insurance money, 401K with some kind of liquid balances, gift letter from a very close relative and a cry letter* and copies of last 12 rent checks,(front and back)or the last 12 bank statements showing that the same amt $1500 was paid about the same time every month or a verification of rent letter signed by a management office. (It can not be a letter written by the landlord as a lender will not accept one).
Cry letter--should explain why you went past due, how you were able to fix the problem and how you really want to buy this house.
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Many car dealerships offer financing for people with bad credit or no credit history. These loans will have a higher interest rate because a person with a bad credit history or no credit history is considered are often considered to be high risk. Checking with a local dealership will determine if the offer this service at their location.
If you pay 1450 a month in rent and have a perfect payment historty will that help get a mortgage even if you have bad credit which is due to unforeseen circumstances not because of irresponsibility?
Your recent good payment history will definitely help, but if your credit score is low that may be a problem. Lenders don't generally care why the credit is bad, only that it is. That said, almost anyone can get a mortgage these days. Just be careful and fully understand the terms before you sign a contract.
This depends on how long after. Generally the minimum is 2 years, but you must have established new credit and have an excellent credit history after the discharge. You must have a decent credit score (definition of decent score depends on the lender, but over 650 would be an example) in order to obtain financing.
Usually dealers will find financing for you once you settle on a car and a price. However, if you have good credit and a bank or lender you've worked with in the past, you will get a better interest rate through them. Don't give the dealer any more chances to swindle you than they have already! Just remember that when applying for any loan your debt to income ratio and credit history will determine not…
Any type of financing requires some type of credit, so as a college student with no credit established, you will need to have a co-signer. A co-signer with good credit will get you the best interest rate, but it is up to you to be surepayments are made on time, to ensure you dont damage their credit.
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What is the penalty for giving a new car back to the creditors because you can't afford it and really do not like it?
Your credit score will go down. Answer. This is known as a voluntary repossesion. It is not very different from a involuntary repossesion. You will ruin your credit score and also will not be eligable for other auto financing anytime in the near future (if you do get approved for another vehicle in the next few years it will be at a ridiculous intrest rate... Like 26%) the best bet is to talk with your…