Jump to content

New and need help


jevanof
 Share

Recommended Posts

I am new to all of this and could use some help.

18 Months ago I lost my job and fell behind on my mortgage payments, I am current now and have been for a couple months, I have no debt except the home, I own $220,000.00 and would like to refi the house, I call the mortgage brokers and they tell me that my middle score is a 580 and needs to be a 620 and I also need 12 months with no lates on my current mortgage history. I have just started the process of disputing everything negative on my credit reports with all 3 company's.

My question is; Is there any I can do other than just keep paying ontime and wait 1 year?

Link to comment
Share on other sites

does anyone have an idea?

I sent a letter to countrywide asking for a goodwill and they told me that the credit agencies will not allow it.

If I can can just my history clean I can refi at a better rate.

Please Help, I don't know what else to do.

Link to comment
Share on other sites

I would look into possibly doing a refi with a local credit union. Personally I trust them much more than a big company as I have had horrible experience with those and also I spoke with my credit union a few weeks ago about doing a refi myself and they advised of a 580 credit score...obviously each differ from the other and state to state but it would hurt to call and ask:dunno2:

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.