I need a loan.
I have searched everywhere with no success. My credit sucks and I need $22,000 to pay off my debts. I’ve been in cccs for 3 yrs but missed a few paments. My creditors have dropped the program for this reason even though my account is current again with cccs. I just want to find a loan to pay them all off and not worry about it anymore. I have almost 13 yrs federal service and plan on having an alotment come out of my check to pay the lender. But I can’t even do that because as soon as they see my credit report they tell me to forget it.
606 FICO refi in FL; all new tradelines; 77% LTV
I’ve got a client in FL who has a 606 FICO and only two current trade lines. One is only three months old (little credit card) and one is about 9 mos (car). There was a BK discharged in 1992. Also two released tax liens and one she wants to pay off. House is worth over $210K; loan amount is only $160K. Cannot go FHA because we don’t have FHA in FL.
To make it more complicated, the mortgage is always paid on time, but it’s not in her name. It’s in her mother-in-law’s name; her husband recently passed away, and he was (allegedly) handling their finances, so she doesn’t have proof that *she’s* been paying this. She is on title.
Can anyone direct me to a lender that can help with this situation?
Need A Recommendation or Refereal
Sounds like you need to talk with the Servicing Director. If the SVP of Servicing won’t talk to the customer tell the customer to talk with the Manager of Payment Applications. Go straight to the top. If they won’t respond then have the customer contact the local Banking and Finance Div of the State the loan is being serviced in. Not the state the property is in. This will delay the process of this loan but as an underwriter if the discrepancy is that large I would not take the canceled check either. I am sure that this is not your client but there are lot of them out there commiting fraud and that is why the discrepancy would be questioned. Good Luck. By the way, getting the name of the Servicing Director is easy by contacting the National Mortgage Bankers Assoc.
Need a lender that will accept verification of payments
I need a lender that will accept verification of payments (canceled checks) made on a mortgage over what the lender is reporting. The lender BEAL BANK refuses to answer calls, fax’s and emails made by my office and their client. This is a purchase money deal in IL, full doc, 580+ middle score O/O