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FICO under 500? No problem! - Everything Real Estate

 Q&A | General Discussions Forum : FICO under 500? No problem!

Name: Arthur Talley Title of Question: FICO under 500? No problem!
Question: If any of you have had problems obtaining a mortgage due to credit problems, bankruptcy, notice of default, foreclosure etc. I can do the loan. These are not hard money loans and rates are comparable to what people with good credit get. If you're interested e-mail me at arthur_talley2@yahoo.com -or- call 925-726-2691

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Name: Dr. Michael D. Wade | Date: January 14, 2005, 4:05 pm |
Answer: I have a 548-580 fico. I went through a divorce 3 years ago that put me into a chapter 7 bankruptcy. That has been discharged for 15 months. I reaffirmed about 30,000 in debt with my credit union and they refinanced the mortgage for me at 5.8%, $147,000 for 20 years. I have a current appraisal of $225,000 but it is mixed use zoning commercial. This has caused alot of problems in financing. Low credit score mixed use commercial zoning. I need as much equity as possible out of the property to 1)consolodate all debt 2) provide operating capital for my business. I can show taxes and bank statements showing total income into business $100,000 and up. I have heard a lot of NO. I could use some help to have a total solution to my debt problem.

Name: Fred | Date: January 14, 2005, 7:55 pm |
Answer: Dr. Wade,
I would love to give your scenerio a try as it sounds like the way your trying to go may have to be changed a little. If you would be so kind as to email me at fred@fredtomaro.com, I would like to speak with you regarding this challange. If I don't hear from you, Good Luck!
www.fredtomaro.com

Name: luther jamison | Date: May 17, 2005, 6:57 am |
Answer: My credit is horrible I have a new family and pay all my bill i just signed up CCC inc to consoladate debut please give me a call 607-724-2718

Name: CJ | Date: July 28, 2005, 9:35 am |
Answer: Have FICO's under 500. Got notice last week statiing we are in foreclosure. Past employment issues/illnesses - resolved now. Owe 108,000 1st & 2nd mortgages, value of property 150,000. Want to keep house and repair credit. Any takers? Call me at 207-215-7335

Name: richette olson | Date: September 14, 2005, 9:29 pm |
Answer: I sent email about a refi please read and get back to me asap if you can

Name: Fred | Date: September 21, 2005, 12:33 am |
Answer: Richette, I'm sorry but I never received your email. Feel free to try again at fred@fredtomaro.com and I'll be sure to respond ASAP.
Specializing in not so good credit refinances and new mortgages. If you've been turned down recently and are looking for a loan in the following states: FL,CA,RI,GA and MA then be sure to send me an email about your scenario and I'll work hard to find a solution.
www.fredtomaro.com
Your Mortgage Broker and Florida Realtor

Name: Andrea Adkins | Date: October 23, 2005, 11:40 am |
Answer: we have just filed bankruptcy and are scores are about 485. We are working on bringing them up but we need to find a new home for our family within the next 30-45 days. Can you help? Thanks Andrea abadkins@ambt.net

Name: Bryan | Date: December 3, 2005, 4:42 pm |
Answer: I am currently 2 months behind in mortgage with a credit score under 500. Would it be possible to refinance? We currently owe 310,000 and our property is worth 390,000.

Name: mortgageteam | Date: December 7, 2005, 12:04 am |
Answer: Bryan,
YES it is possible to refinance your scenario. I will need additional information and may I suggest you visit http://www.mortgageteamflorida.com and complete a short or complete application for me to better assist you. If you decide to not use me, I wish you Good Luck!
www.mortgageteamflorida.com

Name: jan | Date: January 13, 2008, 10:40 am |
Answer: $$$$$$$$$$LOAN OFFER APPLY NOW $$$$$$$$$$ Hello I am Mr Jan a certified money lender that offers all kinds of loans in the following categories: Bussines Loan Investment Loan Loan To Pay Off Bills Loan to Pay Off Debts Unsecure Loan Secured Loan Personal Loan E.t.c Kindly contact us now for your financial loan services now why this loan offer last becuase you are Guaranteed to get this loan here. E-mail jan_loan_firm@yahoo.com

Name: Sherry | Date: January 12, 2008, 4:37 pm |
Answer: I have a NOD and need a loan to bring the mortgage up to date and pay some bills off

Name: stasi | Date: April 23, 2006, 10:40 am |
Answer: arthur, please give me more information on mortgage loans when your score is under 500. i have paid off a previous mortgage and 5 auto loans

Name: Welly | Date: April 28, 2006, 6:06 pm |
Answer: Florida Real Estate

Name: Priscilla Carter | Date: May 25, 2006, 12:27 pm |
Answer: FICO @ 480 need to combine 1st and second have had a run of unfortunate circumstances including a car accident myself, motorcycle accident, husband, and the death of my mother, in which I was unable to work for 18 month. Finacially we have improved, but can not dig our way out. Mortgages are behind and am looking at forclosure at anytime. In a Chapt 13 (not my husband) having to double mortgage payments under strick compliance this is killing us with the Bankrupcy fees. Can dismiss voluntarily, but must have my mortgages taken care of Can you help Georgia

Name: Diane | Date: July 31, 2006, 4:27 pm |
Answer: I am looking to refinance my mortgage with a fico of under 500. I am in Wisconsin. I have a good amount of equity in the home. I am having a hard time trying to find a mortgage. Help? Thank you.

Name: Walter Gamon | Date: September 12, 2006, 2:23 pm |
Answer: Do you offer home equity loans for scores under 500 in Illinois?

Name: TERENCE LEE WILLIAMS | Date: September 25, 2006, 1:45 pm |
Answer: fico under 500

Name: Jenn | Date: November 28, 2006, 7:09 am |
Answer: We are behind in our mortgage and we are on a repayment plan. Is it possible to get a mortgage if we are behind in our mortgage and our credit score is below 500?

Name: Jessie Fraggi | Date: January 3, 2007, 1:42 pm |
Answer: foreclosure pending. Need assistance and information. Jessie Fraggi (310) 351-4479

Name: Curtis | Date: January 18, 2007, 11:10 pm |
Answer: My fico score is about 480. Looking to refinance my rental property in Detroit. Owe 74k, appraised at 116k. Can anyone help?

Name: MortgageTeamFlorida.com | Date: January 20, 2007, 11:19 am |
Answer: Facing Foreclosure? Visit Www.MortgageTeamFlorida.com for possible solutions.

Name: denise scott | Date: January 30, 2007, 2:01 pm |
Answer: facing foreclosure and scores are below 500. need some quickly

Name: Jessie Fraggi | Date: February 1, 2007, 3:17 pm |
Answer: Pls contact me. NOS received. Financial setback last year (mother seriously ill, daughter in legal trouble, all resolved). Would like help. (310) 351-4479

Name: angela cox | Date: March 1, 2007, 7:57 am |
Answer: I have two morganges.The second was a mistake. I thought my rate was 13% fixed, but it is revolving. I owe 85000.00 Can you help. acox1712@charter.net

Name: Melissa Kelley | Date: March 18, 2007, 11:38 pm |
Answer: Hi, we would like to refinance our home. We are on a 2 year ARM and it will be up in Nov. Due to an extended illness our credit is not good. We have fallen behind on credit cards. We would just like to pay off debt and refinance. We want to keep the house. We just need some help. We have never been late on our house payment ever. If there is anything you can do please let me know. Email; jmk2003@hughes.net

Name: Willy | Date: March 21, 2007, 9:18 pm |
Answer: I've been struggling to pay of my credit cards and tried to get a home equity loan to consolidate them. The problem was at the time I didn't have enough equity on the house to pay the $20,000 of credit card debt. Now my home has gone up over $50,000 in value but I can't get the loan because my credit dropped under 500 due to not being able to keep up with the credit card payments. Is there a way I can get an equity loan with credit score under 500? My email address is: professor_x_usa@yahoo.com. Thanks!

Name: Tracy | Date: May 22, 2007, 11:07 pm |
Answer: Our top fico scores are 500. What is the % amount you could finance on a home for us?

Name: jessica | Date: May 29, 2007, 4:56 pm |
Answer: in need of a loan to consolidate my debt. mine and my husband's credit scores are below 500. we're with a credit counseling agency now. would rather just get a loan and pay them off . can you help us? yttik420@cs.com

Name: Ellen | Date: May 29, 2007, 11:30 pm |
Answer: We have an ARM which already increased my payments an extra $900. we wanted to refi but our ficos are below 500. Because the market is not very good right now, we don't have a lot of equity. Is there any way to get a loan? If anyone can help please e-mail me ephezee115@yahoo.com. Thanks.

Name: MortgageTeam | Date: May 31, 2007, 12:10 am |
Answer: Facing hard times? Need fast assistance? Need honest answers and not a run around?
Visit:
http://tomaroventuresllc.com/Form1.htm
and a representative will get back to you quick with some possible solutions to your condition.

Name: Seth | Date: June 4, 2007, 7:20 pm |
Answer: I had my identity stolen 3 years ago and have a FICO of under 500 all i want is to stop paying rent on someone else's home I pay 560 a month and would love to buy this house I foun in the woods for 22,000. I need a loan for 30,000 to finish fixing it up and move in can you help?

Name: Rebecca Neal | Date: June 22, 2007, 10:01 pm |
Answer: Yes!! I am having this problem. I am living in the house I want to buy right now. My parents own this house, and are willing to gift me the equity in it for the down payment. My middle FICO score (I think) is a 470, and I want to have this house put in my name. My parents currently have an 80/20 loan with 2 payments totalling $1000. If I could get one loan lower than that, I would be forever grateful. If you can help me, please give me a call. I will also send an email to the email address listed above.

Name: kim flowers | Date: June 28, 2007, 5:46 pm |
Answer: please help my middle and last score are under 500. and I need a loan immediately

Name: rob wetmote | Date: July 10, 2007, 9:18 pm |
Answer: robertwetmore999@hotmail.com

Name: tamarha@alpinebanker.com | Date: July 15, 2007, 10:41 pm |
Answer: I am looking for a lender to do very high ltv on a fico of 475

Name: jennifer street | Date: July 24, 2007, 9:27 pm |
Answer: i am interrested in obtaining a personal loan in the amount of $4500.00

Name: mary | Date: July 26, 2007, 12:36 pm |
Answer: i want to help that person that is in need of loan just contact me val mary_jone2007@yahoo.com just do that and your problem will be fine mrs mary

Name: Virginia | Date: July 26, 2007, 6:30 pm |
Answer: We are unable to refinance as my husbands credit score is 427. He is self employed. We have alot of equity in our home. We also have a home in Pennsylvania that we would like to refinance or combine them both. Thank you.

Name: Karie | Date: August 3, 2007, 4:33 pm |
Answer: My home is in foreclosure ARM adjusted - I can't pay - & am unable to refinance. There is equity in the home. Email karie@fitnessreflexions.com

Name: Shenette | Date: August 9, 2007, 1:22 pm |
Answer: I am looking for a firt time buyer mortgage loan and my score is under 500. I am currently renting to own and I need a loan as soon as possible because my lease run out in September. I have been paying my rent on time for a year. Would that help? Is there help for me at all?

Name: Shenette | Date: August 9, 2007, 1:24 pm |
Answer: I forgot to give my email address. It is nitasaj5@yahoo.com. If possible could you please respond.

Name: kat hartthefirst@yahoo.com | Date: August 15, 2007, 11:42 pm |
Answer: How do i get a home loan with a credit score under 500??? We have the income to buy a home

Name: david w benoit jr | Date: August 21, 2007, 6:39 pm |
Answer: credit score is under 500

Name: elena hernandez | Date: August 26, 2007, 9:56 pm |
Answer: good income low credit score 475

Name: Thomas | Date: August 28, 2007, 2:54 pm |
Answer: Hello ... How are you Doing? I have an important annoucement for you.. Thomas Cole loan Agency is currently giving out loans at an interest rate of 0.4% per Annnum. We are currently celebrating the successful conclusion of this financial year. We currently offer the following services. 1-Short-Term and long-term loans. 2-Student loans. 3-Business loans 4-International lending and many more. Note the following advantages. 1-We don't do credit checks. 2-With Bad or no credit history,You still stand to get a loan from us. 3-We don't share your private informations with yourGovernement or other agencies such as paypal and others. 3-We can wire loans within 48 hrs of approval and many more advantages... Don't allow this opportunity pass you by..................... Contact us with the underlisted Contact info if you require any of our Services. Mr Thomas Cole Thomas Cole Loan Agency United Kingdom Tel Num:+447045719478 Fax Num:+447005982445 thomascole_loans_agency@yahoo.com

Name: marilen lund | Date: December 23, 2007, 11:40 am |
Answer: can someone approve me for a personal loan of 8000 with a score under 500 email me if someone can approve me marilenlund@optonline.net i love in connecticut

Name: peter koufos | Date: December 20, 2007, 9:54 am |
Answer: want to refi with credit score under 500 hose vule aprox 425-450 balance 335

Name: marilen lund | Date: December 23, 2007, 11:38 am |
Answer: i have a fico of under 500 looking for a personal loan so i can start paying of my debt and improving my score to be able to obtain a house for my 2 toddlers and me and my husband he also has a score under 500 our lease ends in 5 months please email me at marilenlund@optonline.net if there is anyone that can approve me for a 8000 personal loan. i love in connecticut

Name: cindy | Date: September 19, 2007, 5:00 pm |
Answer: need a loan to pay taxes about 20,000 have a home that is mortgage free to use. but my credit score is under 500 if you can help

Name: thomas smith | Date: September 30, 2007, 5:09 pm |
Answer: we are currently 110 late on our first mortg with citi due to 2 family passing we had to fund among many other unexpected financial problems and just can not get caught up our fico scores drop mine 495 my wife jessica 510 and now no one will fund us a loan for 45000 which is what we need, please help thomas and jessica smith tnjsmith_82@hotmail.com

Name: Tina Ealey | Date: December 5, 2007, 10:26 am |
Answer: I have a credit score under 500. I am looking to get a mortgage for my fathers house I am currently living in The house needs repairs and bills paid, house is in probate and I am making an offer to purchase, can you help!!!! please email me at evtinaealey@hotmail.com

Name: kat | Date: October 5, 2007, 2:37 pm |
Answer: Do you do new purchases???

Name: Stephanie Amaker | Date: October 7, 2007, 2:21 pm |
Answer: I have several customer with 560 on up credit score really hate to turn them away if you can help call us at 864-235-4881 send email to samaker@cfrinc.com

Name: Robert Nichols ll | Date: October 18, 2007, 10:44 pm |
Answer: please help! i have a 480 middle score and i need to get financed please!

Name: Robert Nichols | Date: October 18, 2007, 10:51 pm |
Answer: My email address is slash28@earthlink.net... i need a first time home buyer mortgage! i have a mid score of 480

Name: MUSA BIZ LTD | Date: December 3, 2007, 6:34 pm |
Answer: If yu need a personal loan of any type pls do free to contact us on this address below. officeterrymartins02@gmail.com

Name: Marie Culmer | Date: November 2, 2007, 3:19 am |
Answer: I have a mortgage , but the people that rented the house did not pay as agree,my house is in Sav, Ga. My mother die and left a house, I was able to pay my brother 30,000, for his share, I don't want to lose everthing that my mother work so hard for, because of my lack of experince, I should gotten a realty to handle the house for me, then this would not happen, then my tentant could not cause me to be behine , can you help me , I just need help and then I can go forward due to lawsuit coming the first of the year I would be back on my feet, with second job as well as a CNA ,Thanks for Your Respones!!!!

Name: Devin | Date: November 2, 2007, 6:30 pm |
Answer: I am interested, however my credit score and my husbands are in the mid 400s. It was higher until I started trying to refinance, and had people looking at my score. Then I went way down.

Name: Devin | Date: November 2, 2007, 6:30 pm |
Answer: yes

Name: devin | Date: November 2, 2007, 6:32 pm |
Answer: please email me at cdrobin4895@yahoo.com if you can help!!!!

Name: Sherry | Date: November 15, 2007, 10:28 pm |
Answer: I am in foreclosure and have credits problems. I do not have a sale date yet. I need loan to bring my home up todate and pay off other debts. We got behind because of taxes and credit cards. We really need your help.

Name: Carlos | Date: November 30, 2007, 5:10 pm |
Answer: Need loan for home purchase. fico score 495 email me at vpink1963@aol.com

Name: Carlette Hawthorne | Date: November 9, 2007, 12:24 pm |
Answer: I have low credit scores and bad credit due to an unfortunate situation that happened with my son this past summer. I need financing bad, in order to get out of debt. I have turned down so many times. I hope you can help Thanks mrshawthorne86@hotmail.com

Name: Mike | Date: November 14, 2007, 10:45 am |
Answer: We are trying to refinance, get a home equity loan, or a personal loan for $12,000, but we have a bad FICO score and are not having any luck. Can you help us at all?

Name: T and K | Date: January 18, 2008, 10:00 pm |
Answer: Yes, we're in this situation and would like to know more about what you have to offer. We will e-mail you for further information, but first we want to know if this has ANYTHING to do with subprime mortgages? Thanks

Name: Vicki | Date: January 23, 2008, 10:54 am |
Answer: Could you help me get a business loan? I am looking for 30,000.00 like yesterday.

Name: david smith | Date: January 25, 2008, 10:00 pm |
Answer: Good day, My name is Mr david Smith ,I am a private money lender, certified and guaranteed,you could get your loan from me as fast as you want it to be,all you need to do is to fill out this as send it to the provided email as soon as possible so we could start with your loan or you could send us an email for more Inquires:david_smith654@hotmail.com Name: Address: Phone number: Date of Birth: Occupation: Amount of Loan: Loan Duration Limit: Get back to my e-mail as soon as possible. Have a nice day. Best Regards, Mr.smith

Name: Steve Grimes | Date: January 31, 2008, 10:48 pm |
Answer: Contact me about the loans, rates and monthly requirements @ Steve.Grimes@frontiernet.net anytime or call @ 775-738-6878.

Name: Sherry | Date: February 1, 2008, 5:32 pm |
Answer: I had sent you an email sometime back, but no one ever got back to me. I need to stop a foreclosure and pay off some bills. You can email at tinkerbell91254@aol.com

Name: tim | Date: February 2, 2008, 9:10 pm |
Answer: I have been trying the last week to get a equity loan on my home and property need 15,000.00 for family emergency. If anyone can help please let me know

Name: Willa | Date: February 9, 2008, 5:31 pm |
Answer: I am 4 months behind in my mortgage and near foreclosure. I would like to lower my payments and roll the back payments into the life of the loanm or sale this house and get financing for another house that I can afford. I have no cash and have a FICO in the 400s. If you can help thanks, if not, I understand.

Name: Mr.smith | Date: February 10, 2008, 9:41 am |
Answer: Good day, My name is Mr david Smith ,I am a private money lender, certified and guaranteed,you could get your loan from me as fast as you want it to be,all you need to do is to fill out this as send it to the provided email as soon as possible so we could start with your loan or you could send us an email for more Inquires:david_smith654@hotmail.com Name: Address: Phone number: Date of Birth: Occupation: Amount of Loan: Loan Duration Limit: Get back to my e-mail as soon as possible. Have a nice day. Best Regards, Mr.smith

Name: catharina | Date: March 7, 2008, 12:29 am |
Answer: i have low credit score good income with colleteral can any one assit me.

Name: vondra wesley | Date: March 11, 2008, 3:43 pm |
Answer: yes, i have had problems in the past with these sort of problems,but now i'm paying 750.00 a month rent and aug will be a year and i'd rather be engaging in a second chance home ownership.thank you

Name: Mr Isreal | Date: March 16, 2008, 12:58 pm |
Answer: Good day, My name is Mr Isreal Sly ,I am a private money lender, certified and guaranteed,you could get your loan from me as fast as you want it to be,all you need to do is to fill out this as send it to the provided email as soon as possible so we could start with your loan or you could send us an email for more Inquires:isreal_financial09@yahoo.co.uk. Name: Address: Phone number: Date of Birth: Occupation: Amount of Loan: Loan Duration Limit: Get back to my e-mail as soon as possible.Have a nice day. Best Regards, Mr.Isreal

Name: Melinda | Date: April 10, 2008, 10:11 am |
Answer: Are you able to do loans in Louisiana?

Name: Sherry | Date: April 21, 2008, 5:02 pm |
Answer: I am looking for a loan to keep from my home being foreclosed on and pay off some debts and get us back on the right track.

Name: Sherry | Date: April 21, 2008, 5:03 pm |
Answer: I am looking to stop foreclosure and pay off some debts.

Name: MR MORGAN STANLEY | Date: May 1, 2008, 1:33 am |
Answer: Do you need a loan for your business? I am Mr Morgan Stanley a certified financial firm. Accredited by the uk financial institute .we offer diffrent kinds of loan, we offer bad credit loans, mortgage loans,secured and unsecured loans etc to individuals and companies at low interest rate.we also offer long and short term loans. We give the right solution to your financial needs.Any intersted person should get back to us via Email: morgan.stanleyloan@live.com with the following: Full Name: Location: Amount Needed:

Name: Alesia | Date: May 6, 2008, 10:42 am |
Answer: would like to purchase a home and fix it up to increase the value but have credit score under 500 can any one help? jarhodes@knology.net

Name: stephanie | Date: May 14, 2008, 9:48 pm |
Answer: i have a 460 score and need to purchase a home or move most of it is student loans and medical bills by fiance is one year out of bankruptcy has been at his job for over 11 yrs we have ok income is there any way to get finaced either together or one of us ?

Name: Rick Roberts | Date: July 4, 2008, 12:58 am |
Answer: Hi, i have also been in search for a loan in the past months and have not seen one legitimate one out there. I have lost over $5000 and some extra costs to online loans. I got a recomendation to contact the only universally accredited CommonWealth Developmental Loans and i got a loan from them really some few days ago. They actually can help you. I am so happy now. I have the contact of one of their loan officers and the only detail i can give is her email. I have promised her to help other loan seekers get to her. Her email is marlynhern@gmail.com, please tell her you were directed by Rick Roberts from Canada.

Name: ani | Date: July 21, 2008, 1:45 pm |
Answer: Good afternoon, I ran into your website, discussion forum regarding people with low credit scores whom have been turned down for bank mortgage loans. I was wondering if you could help me? I look forward to hearing from you. Thank you and hope you have a great day

Name: lisa baumann | Date: July 23, 2008, 8:47 am |
Answer: hi, i have kind of a wierd question for you. i live in missouri and i have a fraud alert on my credit my loan is new and owner financed and i need to refinance it to a loan but my credit score is low. it is like a 480 but i am now fighitng the personon mycredit. i will stop babbling can you help?

Name: Gregory Lending Service | Date: August 18, 2008, 11:23 am |
Answer: Hello I am Gregory James the owner of Gregory Lending Institute .We are using this medium to advertise to the general public that we give out loans of all kind ranging with amounts from $5,000 - $5,000,000.Financial problems always have any solutions and the solution cannot come straight to you without you making any effort to help remedy the situation.Do you need this assistance and do not know how to go about this? Do you have bad credit but need financing and really need it badly,do not look for help where there is none ,come to the masters today and be free from all financial shackles. For more information on our services forward all enquiries to our email address gregory_lendingservice@live.com 1)Name ; 2)Country: 3)Age : 4)Sex: 5)Purpose of loan: 6)Gender: 7)Marital status: 8) Amount Needed As The Loan: 9) Duration: gregory_lendingservice@live.com Regards Gregory James

Name: Stacey | Date: August 19, 2008, 7:46 am |
Answer: My husband and i both have a credit score in the higher 400's and we just paid off all are debit. Can we get a mortage for $200,000?

Name: mensha | Date: September 6, 2008, 9:17 pm |
Answer: pls i ned i just ned u trust my nam mensha i sand you a masag plsi will love to haer 4rom you oky

Name: Gordon Dempsey | Date: September 15, 2008, 4:14 pm |
Answer: please contact me about your loan programs, my averaghe fico is 500