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    #1

    House Refinance

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    #2
    I'd suggest to visit www.creditboards.com. There is a mortgage forum, where you post info (no private details) about your situation and get feedback/advice from mortgage professionals.

    Generally, from what I've read, if you can get your scores up and you have stable employment-there are options.
    Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

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      #3
      also, start stopping by the mortagge companies for a quick chat after work each day and see what they suggest without hooking you in of course. just chit chat and see what you learn.
      Im not an attorney or a trustee. You cant trust me either though!

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        #4

        You should be able to refinance and lower your payment. do you know what your scores are? You can refinance right after BK if needed and it will help you. Do you know what your house is worth compared to what you owe. I can try and give you some general ideas of what a rate would look like.
        Nick Kusan

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          #5
          Originally posted by MTG_BANKER_OH
          You should be able to refinance and lower your payment. do you know what your scores are? You can refinance right after BK if needed and it will help you. Do you know what your house is worth compared to what you owe. I can try and give you some general ideas of what a rate would look like.
          Currently my FAKO scores on true credit are:
          TU: 644
          EX: 570
          EQ: 686

          House value = 110k (One down the street the same size just sold for 135k So I think my estimate is low)

          We owe = 83k
          Gross Income = 75k
          Total Debts (all curent) = 60k student loans / Payments are 520

          Thanks!!!

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            #6
            Down&Out-TrueCredit scores are unreliable. They don't necessarily reflect FICO's. Your real FICO's could be way off in either direction.
            Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

            Comment

              #7
              Originally posted by StaciMM
              Down&Out-TrueCredit scores are unreliable. They don't necessarily reflect FICO's. Your real FICO's could be way off in either direction.
              Yes I know. But it is my hope that someone on this board will be able to give me an example of how/what/when etc... if they refinanced thier home.

              Anyone?

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