Is it possible to get a mortgage one year after bankruptcy?

Is it possible to get a mortgage one year after bankruptcy?

I searched google and the information seems a little outdated. I want to buy a condo for $65000 I have 10k for the down payment.

Related :

I searched google and the information seems a little outdated. I want to buy a condo for $65000 I have 10k for the down payment.

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“”Hey, I need an auto loan for $2,000, my credit is non existant, NE1 know a loan comp worth lookin into?

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What is EMI in home loans????

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“”I have 1500 dollars in debt and need a loan, but not a payday?””
i am a single student with no family, i only make 200 dollars a month, i only have 1 bill so i can pay 150 dollars a month for 10–12 months. i only need a 1500 dollar loan to even out. i cannot do a payday loan because i do not make that much since i am only a student and part time employee. my debt is spread between 3 credit cards and when i pay off the debt with the loan i am going to cancel the accounts. i had a rough spot and if i do not get a loan i am afraid it will just keep piling up. making these 3 debts compile into one is the best choice i can think of. does anyone know where i can get a loan from?””
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#repost

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Where can I get a personal loan with not so perfect credit???
Credit Score around 520, and I live in Florida””
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My credit score is 9002?
So how do i get it back to normal?
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Where can i go 2 see my credit score for free?

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Credit history report???
how old do u have 2 be to check ur credit???
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What are the credit score measurements?
I would like to know how credit reporting agencies come up with my scores for each creditor.
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Can company owners collect salary even when they cant pay employee wages?
So heres the deal. I have a friend who works for a company that is on the verge of bankruptcy. They are a full pay period behind, yet they continue paying themselves full officer salaries. ($12,000 each) I came into this information from their administrative assistant who wants my advice. The company is behind a full pay period and on the verge of bankruptcy, they claim to be trying to sell the company but continue paying themselves. What can be done in this case?””
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Where do I go to get a free online credit SCORE if I already heave my credit report?
I want to find out what my score is for free without using a credit card.
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How do I get my credit started?
Im 17 going on 18 in 3 months. I’m trying to start building up my credit, so i went to the bank and applied for a credit card but it wasn’t approved because I have no credit. So how can I get my credit going?””
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#repost

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Credit score is a 552 what do I do?
I want a new car. I need to find a way to boost my credit score by 50–100 points to get a good deal. I didn’t have parents that could lend a financial hand so I racked up about $4000 debt in college. I don’t owe any student loans or anything. Anyone have any suggestions as to what I can do to help improve it? How long does it normally take to do so?
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Is this how to do a balance sheet and a cash flow statement?
I have attempted to construct a balance sheet and a cash flow statement based on this information. Yahoo user ‘Prof’, you have helped me with this and I appreciate the information and advice. If you could briefly take a look at them and tell me if I’m on track, I would appreciate it. Any help from anyone else with accounting/finance knowledge would also be appreciated. Your clients are a couple who are both 40 years old and have 2 kids. Don has an annual income of $90,000 ($2284.62 per fortnight after tax). Beth earns $40,000 per annum ($1200 per fortnight after tax). They are both contributing 4% of their income to a retirement plan. They have cars worth $12,500 and $16,000 respectively. The interest rate on both is 13.95% with repayment over 5 years. They purchased a house for $555,000 with a 70% mortgage at 5.75% interest with a repayment period of 25 years. Council tax is $2880 per annum. They have credit card debt of $10,000. The minimum monthly repayment is $130 per fortnight at 18% interest. Household expenses: Food — $250 per week Internet and phone — $125 per month Cell phone — $80 per month Toiletries — $60 per month Childrens after school care — $550 per month. Petrol expenses are $200 per month. Car registration costs $312 per year for each car and each car requires 2 WAF per annum, which cost $60 each. Maintenance costs are $1200 per year for the 2 cars. Incidental expenses are $350 per fortnight. Insurance is $268 per fortnight. They have $10,000 in savings and $15,000 in household possessions. Saving interest rate is 4%. The cars are worth 80% of their purchase price. Their retirement plan has a 5.5% return. In addition to their 4% contribution from their income, Don and Beth receive 2% from their employers and $1000 each from the government for joining and $520 per year per account. Based off this information, I have to construct a balance sheet and a cash flow statement. The cash flow statement is constructed on a fortnightly basis. Balance sheet: Assets House — $555,000 Cash — $10,000 Motor vehicles (2) — $22,800 Possessions — $15,000 Total assets — $602,800 Liabilities: Credit card — $10,000 Mortgage — $388,500 Car loan (2) — $28,500 Total liabilities — $427,000 Net worth = assets liabilities $602,800-$427,000 = $175,800 Fortnightly cash flow statement: Income: Earned income (Job #1) $3461.54 Earned income (Job #2) $1538.46 Earned income (Employer retirement contribution) $100 Government contribution to savings plan $40 Gross household income $5140 Expenses Retirement contribution (Job #1) $138.46 Retirement contribution (Job #2) $61.54 Income tax (Job #1) $1038.46 Income tax (Job #2) $276.92 Total $1,515.38 Net Income $3524.62 Car loan repayment (car#1) $134 Car loan repayment (car#2) $171 Petrol $100 Car registration $12 WAF $9.23 Maintenance $46.15 Incidental expense $350 Insurance $268 Mortgage payments $1124 Council rate $110.77 Credit card $130 Interest $42.50 Living expenses: Food $500 Internet and phone $62.50 Cellphones $40 Toiletries $30 After school care $275 Total expenses $3405.15 $3524.62 — $3405.15 Amount remaining each fortnight = $119.47 Do either of these seem accurate? Also, if something is listed as a monthly expense, and you need to construct cash flow on a fortnightly basis, do you just divide by 2? Even though half a month is actually a little more than 2 weeks?””
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Best Buy Credit Card — 0%interest for 6 months?
The lady at Best Buy told me if I get a best buy card, there will be 0% interest for 6 months. Is that true if I use a Mastercard and purchase something at best buy with that card as well or do I REALLY have to get that card for that deal?””
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Does the free annual credit report have my credit score ?
1- How would I know if something goes wrong and someone stolen my Identity ? 2- Does obtaining this free credit report lower my score ? Thanks
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“”Why did Sallie Mae, change my payment Date because I paid Over?””
I’m confused.. My minimum payment is 78.50 a month.. Well I’ve been tired of paying the minimum for years, and I want to get the loan paid off faster.. Mind you, I usually have to pay my loan every month… But in August, I sent in a payment for 230.00 and then it said my next payment wasn’t until october? Well.. This month.. I sent another payment in for 230.00 and they now my next payment isn’t until December…… I am going to continue paying monthly.. But is this so they could charge me more interest? I don’t get that.””
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Will I need a cosigner for an auto loan?
I am 20 and I work part time, will I need a cosigner for my first auto loan ever?””
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Where do I look to get a credit check on myself?

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“”To find out your credit score,?””
why isin’t it free anymore, or easier? I used to check with my Washingto Mutual (wamu) credit card website, you could just go on and find out your score there, along w/ your acct. info. Now, you have to sign up for scketchy looking sites, and a few make u put in your credit card info. (I didin’t.) Does anyone know why it changed, (Chase doesn’t allow you to check your score from the credit card bureaus.) and what’s a good, free and extremely secure site? Thank you.””
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“”If I have 70% down payment to buy a house, do I still have to get qualified for the loan?

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#repost

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I am trying to get a loan that doesnt require emlpoyment.?
All the loans I have been through online require employment. But I am not employed. Someone Help me.
“Is it possible to get a mortgage one year after bankruptcy?

I searched google and the information seems a little outdated. I want to buy a condo for $65000 I have 10k for the down payment.

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Student or payday loans?
i need a loan for $350 to pay for my tuition and room and board fee for college before may 1. i dont have a job and my parents arent going to help me out. is it possible for me to take out a loan for this amount if not i am so f***ed!
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#repost

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#repost

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“”When applying for a payday loan online, is it safe to put your SIN number?””
Most of them ask for SIN # and it just doesn’t seem safe. But i’m not sure, maybe they have a good reason, does anyone know?””
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What kind of credit score do i need to get financed through suzuki or honda for a ATV?

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Where is the best place to get a personal loan even if you have a BK?
UPDATE: I have a good job and pay my bills on time. I recently applied to my bank and was turned down due to my BK. I don’t own a home or have the nessesary colaterial to secure a loan and I have no one to co-sign for me.
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Filing Bankruptcy?
My son needs to file bankruptcy. He is trying to straighten out his life and he needs to get his credit in order after bad relationship and some not so smart moves when he was younger. He is 27 and of course he doesn’t have hardly any money, and I told him I had heard that one can file it basically themselves and not pay an attorney. I used to have a ton of paperwork on this subject but that has been long ago and thngs have changed. I know I could do it for him if I had a reputible place to help me through it. Anyone know of a free or cheap place for us to start? This is not a complicated one either because he has nothing, just all of the bills. I have most of them. Thanks for reading, your knowledge is greatly appreciated.””
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Can I get a car loan with no income?
I just graduated from college and want to get rid of my old clunker. My dilemma is that I have one year of grad school before I start work full time. I took a year off from school and worked full time as a tax intern at an accounting firm and was able to save up over 30k working that year. I also have no ability to get a cosigner. My credit is great, I have 30k in the bank, and I have a written and signed confirmation letter of a job starting in June of 2014 for a big accounting firm. Would I be able to get any loan since I technically have no income for one more year? Or would it even be easier if I just went through my personal bank? I am looking to buy a $20,000 car so a loan for that much is about what I would be looking for since I don’t want to pay in cash. Thanks””
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#repost

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What happens if I don’t pay this loan?
Hi, I have a $100 payday loan. Im thinking I don’t want to pay it back. What’s the worst that can happen? They only have info on my old job — a job I no longer work. I work somewhere else now. When I applied for the loan I was only required to put down 2 references. I gave numbers that I knew more or less were from cell phones that were disconnected. Good thing I went at the last minute and the woman behind the counter was anxious to get the paperwork done and go home. If not she would have called the numbers and found out they were disconnected! Yes, I’m a deadbeat that doesn’t want to pay this loan! I know for a fact that payday loans do not go on your credit report so I don’t have to sweat it there. Ive already changed my cell phone number so they can’t call me. What are they gonna do? Take me to a small claims court? For $100? Sorry, don’t think so. It looks like I got away with a $100 free and clear. Thank you mr payday loan. What do you guys think?””
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Looking for a unsecured loan?
Looking to borrow $5000.00 and to be able to pay back $200.00 a month, looking for a legitimate loan. Anybody know any.””
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#repost

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Filed bankruptcy and kept my car?
I did not do a reaffirmation,I retained my car and agreed to keep paying. Now i can not afford to pay the car what now? If it is reposed will i owe? or does it still fall under my bankruptcy?””
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How can i get free credit report every 6 months?
hey,can you please tell me a way to get free credit report every 6 months””
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#repost

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How to get an auto Loan?
Co-signing is out of the option(parents filed bankruptcy) also I tried to get credit cards but none will allow me one
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How can a credit card company close my account?
I’ve a good credit score (760), and I’ve never missed a payment over the past 10 years. I’ve called and they said there’s nothing I can do, and they won’t tell me why they’re cancelling it. Is there anything I can do?””
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How can i check my credit or who i owe money to without paying?

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“”Which website gives you free credit scores, No strings attached.?
I need one that’s really free
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Should I have trouble getting approved for an auto loan?
I am looking to purchase a car from a friend pretty quickly because he cant afford payments after he got laid off and just needs to get rid of the car. The bluebook value is 14000, but he only has 8000 left to be paid on it. He wants me to get the loan in my name but im worried because i used to have like 3000 in debt and didnt always pay them on time because i wasnt making much money at all (2 credit cards and a college perkins loan). With late fees and interest the amount of debt i had stayed around 3000 and even got up to 3500 around christmas. I just joined the military and got out of boot camp last month and paid off all but 800 and i got the payments current on the one I have left. Should I have trouble getting an auto loan for the 8000 preferrably from USAA of Penfed?””
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I need $1400 but I can get nothing but a payday loan?
My credit is down the drain. Since I got out of the military my life has pretty much gone down hill. I am now fully disabled and my only hope of working is to get a new computer, internet, and telephone line dedicated where I would be working. I found a great deal for all of this but cannot get the loan necessary for the amount. At least none save a payday loan. I make $1200 dollars a month. I require $350 of that each month for living expenses. I have Bank of America and my money is direct deposited into my checking account. My question is, while there is $500 dollars in the account, if I tried to buy all the items in one lump sum would it go through? I realize I’d be over-drafted by about $900 dollars but it’d be paid off the following month. I understand it’d be wiser to save but, to be honest, I am going a little crazy without anything to do. I’ve tried reading, watching movies and television, and playing video games. I’ve done everything I can to keep myself occupied but I’d just like to be able to work and make my own living. The sooner the better.””
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#repost

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“”If I refinance an auto loan, can I add a bill to the loan amount??””””

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I need a loan for 2500 for a downpayment on a car?
please i dont want to hear about you will be in debt remarks. and what is wrong with borrowing money for down payment. I need a car immediately I dont have time to save up. Some people on this site need to learned to keep rude and unhelpful comments to themself.
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How much are mortgage brokers capable of making:?
I have an old friend from high school who just introduced me to the mortgage business. He told me insane amounts of money to be made. He shares the company with another guy and wants me to work for him. He said his lowest paid broker made 20K last month and the highest paid 80K. He said average deals are 3–6K ea and I should be able to do 4–5 of those per month. It sounds hard to believe because online it says average broker income is 60–90K per year. But he has a watch that cost $110,000 (I didn’t believe it at first but it’s legit) and told me he paid cash for his house and cars. Is it really possible for a broker to make 20–50K a month..?””
“Is it possible to get a mortgage one year after bankruptcy?

I searched google and the information seems a little outdated. I want to buy a condo for $65000 I have 10k for the down payment.

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My credit card info got out somehow?
The company discovered fraudulent charges and denied them, so I was lucky. I changed all my passwords on everything and deleted unnecessary accounts. I even had a 15 dollar charge on my phone bill for some kind of monthy coupon service I didn’t sign up for. They had my name, address and email address right, just the wrong birthdate and the ip that ordered it was not mine. How does this happen and what can I do to prevent this doesnt happen in the future?””
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Facing eviction in Hillsborough county Fl. Is the there anywhere I can get some type of emergency loan.?
I live in Tampa Fl and I’m in danger of being evicted from my home. I own the home but just rent the property itself. Due to payment issues at my new job and unexpected car troubles I have fallen behind on my rent and have already been served the evictions summons. My landlord agreed to drop the suit if I can come up with the money but I just don’t see myself being able to obtain the money in the agreed amount of time. Are there any options I have as far as getting some type of emergency loan or assistance. I know my bank won’t give me a loan with my lack of credit history and I know payday loans or cash advances will make things worse. I know in NY you can get an emergency loan if facing eviction, anyone know if there is something similar in Florida. Any help would be greatly appreciated.””
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Can i consolidate a payday loan to lower my payments?
i took out a payday loan but my hours got cut at work so i cant make the full payments so i was late a few times and that took my loan up to 3x higher its like the loan will never go away i just want to lower my payments they said i could refinance the loan through them for lower payments but that actually makes the loan even higher and longer to pay off
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Loan or cash advance from credit card?
I need a loan for $8000. I plan to apply for a personal loan from Wells Fargo or use Lending Club or Prosper. I can definitely pay $8000 off in a year or two. I have a good credit score, so my interest rate shouldn’t be very high for a loan. However, my buddy just suggested that I just open up a credit card with 0% interest for the first 12 -18 months and take $8000 out with cash advance. What should I do? Any other suggestions? Yes I would qualify for the above mentioned loans and credit card.””
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If im paying monthly on my credit will that bring my credit score up?
My question is I’m new to the whole credit line. I have auto loan a shell & old navy card that im currently paying off and also so a phone bill. If I pay my monthly minimum(which is what I can afford b/c im in nursing school right now) will that bring my score back up? thank you please positive answers.
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How to buy a house with 2 separate loans?
My partner and I have separate finances and want to buy a house to live in together. One of us has $200,000, the other has $15,000. What construct would be best to use when buying a house. We want to keep our finances strictly separate. Say for example we find a house worth 600,000 that we really like. Ideally one of us (the one who has the $200,000) will take out a loan for 100,000, and the other will take out a loan for $285,000… What would be the best way to do this…?””
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Bad Credit and need a loan for about $7000?
Ok, I need a personal loan for about $7,000 and my credit is in the toilet (489) score. I need to know if anyone knows any reputable companies or banks that would be willing to lend to me. (Please, no payday loans or people who charge to see the companies) and no roaches trying to get my personal info, your to easy to spot anyway. Thanks!””
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Can my husband file bankruptcy with me?
I have a few questions about their divorce. My husband and I cannot get approved for a loan on a house because his ex wife still has not refinanced the house they had bought together. Her husband makes ten times what we both do combined, and she refuses to refinance and she is continually 30–60 days late on mortgage payments. They divorced over 2 years ago, and he signed the quit claim deed. We called the title company the other day and they told us the quit claim is invalid because his name was not printed in the notary box, it had only been signed. So I told my husband I am going to file bankruptcy on all my past due debt, because I will not be able to buy a house until I am almost 30 by myself. He wants to file as well. Combined we have over $300,000 in debt between the mortgage in his name and medical bills for us and our children prior to having insurance. So can we file bankruptcy on the house? And if so what will happen to her? I am going to speak to a bankruptcy attorney in a couple of weeks to learn more but was wondering if any of you have any idea. Also I called his ex wife to try and find out if he signs another quit claim deed and gets it recorded properly this time will she refinance and she refuses.””
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When exactly do you do the debt counseling thing when beginning the bankruptcy procedure?
I have only made one trip to the lawyer’s office and she gave me a great big packet of questions to fill out as well as a bunch of other info. Included was some debt/cred counseling websites, etc. to use to do this and get a certificate that goes to the attorney. My question is…..when do I do this counseling thing? Do I do it before I return my paperwork or after or when?””
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Does anyone know of lenders that only pull from Transunion?
I am looking for a personal loan and my Transunion score is the highest.
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Can hoa bill you after chapter 7?
a home got foreclosed some months ago yet homeowners association acts like they got no clue, and billed me a bundle. is it true even after chapter 7 bankruptcy, they can ask for money until foreclosure? how come if someone bought the house on auction, they didnt catch up the hoa bill?””
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Where or who can I obtain a loan from with super bad credit and no cosigner?
I have applied to every lender out there, which will do a number on my already poor credit score, I have been denied 100%. I need a student/personal loan. I have tried prosper.com but my credit score is too low. I have perfect current credit ie.credit cards/studentl loans/car laon; but I have a bankrubtcy,several collections and a resolved tax lien. My score is in low low 500’s. The only loans I qualify for ar pre-pay and payday loans. I have a full time job and I pay all my current credit cards and car loan. I have wiped out most of my collection accounts but they will remain on my report for 7 years. I have the ability to repay, but no one will lend me money, I mean no one. Please tell me someone can help??””
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13.99% rate on a car loan is that normal????
hi, I went to the mitsubishi dealer, last week and wanted to get a 2002 eclipse spyder, for 10000, after the dealer checked my moms credit he told us that the rate would be 13.99%, so 4000 down payment, 199 monthly, his answer to my question why the rate is so high, was that, because we came 2 years ago from germany, and my moms credit is kinda new?! thats why the bank will only loan us money with a rate of 13.99%, is that possible or did he jus want to rip us off???!!! And what do u guys think about the deal: $10000 for a mitsubishi spyder 2001 60000miles???””
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Is there a real free way to check your credit score online?

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A yaoi with some hot scenes in it?
I really like the S&M kind of stuff, and/or a threesome, you know somethinng totally erotic andhot. ;D and it’d be really great if it is something I can download off of Manga Fox or MangaReader!! ~thanks for everyone that answers!!:3"”
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How much financial help is avaliable for unemployed single mothers in the uk these days?
This is not a question requiring judegement of my personal choices, self rightous preaching or a place to vioce opinions on how I may or may not treat my husband should we split up. If your answer is derogetory to me then please refrain from answering. My husband wasn’t considering his or my future when he had his affair, or the well being of our daughter and the baby I was carrying at the time who has now been born into a broken marriage. Self righteous, judgemental pricks really piss me off!!!””
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#repost

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Loan question(just asking in advance)?
how do you get a loan? and how does it work? what do you need? whats down payment? and how long can you pay monthly? and other essential facts i should know
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Can i get a home loan with bad credit?
My credit is far less than perfect. In the next year or so, i want to look into getting a house. Would i be able to get qualified for a loan through anyone?””
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“”I filed for chapter 7, then got my car repossed 3 months after completion?””
So I lost my car after filed for bankruptcy 3 months ago. Now I owe them about 3000, and I don’ thave money to pay. Will my bankruptcy protection enable me to lose that debt also?””
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Does h & r block do early income tax loans? bad credit and needing a loan fast?
I have bad credit and I usually get back around 4000 at income tax time bc of my daughter. I was wandering if they would do one for about 1000 dollars. I know the fees will be high but im desperate. Any suggestions?
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Plastic surgery loan for bad credit?
I am needing a tummy tuck. I had the lapband put in in 2010 and have lost 95 lbs! The excess skin and weight on my abdomen is causing some massive back pain. My regular medical insurance says that they will not cover the procedure. I have decent credit, but not good enough. Are there loans for plastic surgery that don’t require a credit check and have a low interest rate? Probably wishful thinking, but thought I’d see if anyone has some advice. Please no scams and only reply if you ACTUALLY know or have actually done it. Thank you in advance! (and NO care credit is not an option, they denied me :(“”
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Student loan advice??
Ok, I’ve got 30K in student loans. Should I just get a bunch of credit cards, put the debt on the cards and file bankruptcy?””
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#repost

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“”If I file for bankruptcy, when could I possibly be able to purchase a house?””
I have just lost my job and we have too many medical bills & are in debt too much. I would like to go back to school but can’t afford to pay the bills back & go to school…I would also have to find another job. We don’t want to jeopardize a future in getting a house, but would like to know, if we filed for bankruptcy, when could we possibly be able to have enough credit to get a house? We live in California.””
“Is it possible to get a mortgage one year after bankruptcy?

I searched google and the information seems a little outdated. I want to buy a condo for $65000 I have 10k for the down payment.

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