What approx APR would I get ?
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I understand I need a better score than 597 but if I didn't raise it first what is the best APR that you would think that I would get for a Mortgage loan? Could I get 100% fin.? Whos the best to aquire the loan through?
also I can show proof to the mortgage companys that I paid off my outstanding collection debts. There were 3 totaling only 241.00
They should report in about 5mo but I had them fax me proof of the pay offs can this help if I show them? Do you have any idea how much paying these will raise my score? Also I paid off my truck with 250.00pym in two yrs after dwn pym. they just dont report!!:( Is there a way to make them or use this, as a credit loan pay off? )2yrs worth of no late!! Also my husband ( whos credit I am talking ab) is a Sheriffs deputy is there any adjustments I have heard talk that some will help b\c they want law enforcement in their Neighborhood? ( I am not trying to sound ...???...)Any ideas, I would appreciate any advice! Thank you!
What approx APR would I get ?With the implosion of the sub-prime market it is going to be a challenge for you to find 100% financing with a credit score lower than 620. The guidelines are changing daily as the problem expands. There are fewer lenders lending in that market and those who are have raised their credit score guidelines in reaction to the climbing delinquency and foreclosure rates.
Be very careful, do not pay any money upfront to a lender who promises to finance you as guidelines may change in mid process and they may not be able to close the deal.
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