Pre-approved?
I've been dealing with Quicken,and was told I was pre-approved for up to $57,000 for a house. My credit is not great,and I have had some problems,but I'm trying. I'm ashamed to admit it,but I am a lifelong renter who has been renting the same house for going on 31 years. I could have owned a home,but when you're constantly told no you just give up. Anyway,I was wondering if someone could tell me if they think I have a snowball's chance in H-E-double hockey sticks of getting a mortgage,or is Quicken just blowing smoke up my rear. I make about $20,000-$22,000 a year,have two small installment loans that total about $200 a month,no car payment,no credit cards,and a credit score of 621. I've got some old medical bills,a very old credit card,a bankruptcy that is 11 years old,and a repo from about 4 years ago on my record...at least I think they are unless they've fallen off(I've yet to get a copy of my credit report in fear of dropping my score down by checking it) I feel I should at least have a chance if there are people who are only a few years off of a foreclosure getting approved for another mortgage,yet I've yet to have even one. I know nobody owes me anything,but that's the way I feel. If anyone has any tips,or any advice,please share it. P.S. Has anyone here heard of a guy named Lucas Evangelista? He is the person I have been working with at Quicken.
Categories: mortgage Tags: constantly-told, credit-card, credit-cards, credit-report, credit-score, hockey-sticks, lifelong-renter, mortgage, person, Quicken, should-at-least, some-problems
Recommend a salesman!
Probably it a stupid idea but I thought it would be useful to have a topic where everyone recommends a salesman that helped him/her and provided a good service, so it would be more easy for someone who wants to buy new laptop/pc to find a recommended salesman that would be able to help them choose exactly what they need... anyway, here`s my reccomandation: Future Shop in Carrefour Agrignion 6877 boul. Newman Phone: (514) 364-4500 Mr. Yacine, he really knows what he is talking about, he pointed me in the right direction and showed me exactly the laptop that I found most suiting to my needs! The reason I thought of this is because not long ago I needed to buy a graphics card, because of the incopetence of some sales persons I had to return two graphi cards and buy a power supply even thou` I didn`t needed one for the graphics card that I bought, it said so on the specs of the card, but the person who helped in the store said that I need one. Anyway, I hope this helps!
Categories: Computer, Laptop Tags: future-shop, good-service, graphics, Graphics Card, incopetence, Laptop, person, really-knows, reccomandation, the-incopetence
Thought deal would be dead then surprise, surprise
Wanted to share this. I had recently posted on this forum about our excitemnt of getting our offer on a home accepted. Recent events about financing delays and meeting a certain deadline on the contract were about to throw us off guard and added to a frustration about the buying process. My wife and I even came to a plan to just drop the whole thing off (there is a way out of the contract without them getting my earnest money anyways) because of delays by the loan officer at US Bank in getting a fully approved loan to meet the certain deadline before I am to suppsoeldy lose my earnest money. Realtor calls me this Friday evening and suggests I call this person who is a broker. Call broker Friday night who gives me name of loan officer at Wells Fargo after broker asks how much money is in my savings account and asks what job do I do. Loan office calls me up Saturday evening and I tell him upfront that I need a fully approved loan ASAP but was not willing to put up with a lot of delays and vagueness about the process since we were ready to give up buying a house on the other hand. He tells me he is actually an underwriter and he proceeds to get info from me, later tells me he needs my old credit report (Dec 2009 pulled score) since I also told him I didn't want my score pulled again. Meet him today Monday in his office as agreed and I lock in a rate of 5.25% (no orig fees, $500 underwriting fee, $400+ appraisal fee) fixed for 30 years.......the previous loan application (which is still in process) was at 5.75% 5/1 ARM (no orig fees). Both loans are no prepayment penalties. This person I meet today congratulates me, saying he can get it approved tomorrow or the next next day. Whew.... I guess things turn out good in a way you didn't intend to happen, lol.
Categories: mortgage Tags: contract, excitemnt, friday, fully-approved, office, person, savings-account, suppsoeldy-lose, turn-out-good, wells-fargo
3 Steps to Trace Any Phone Number Using Cell Phone Reverse Lookup …
About TELECOM GIFTZ. This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you ...
Categories: Laptop, Telecom Tags: documentation, person, Phone Number, phone-reverse, search, Telecom, wireless, work