Trying to get financing for a mobile home credit scores are 588,604.621. My problem is I was a victim of domestic violence and Filed bankruptcy 3 yrs

I filed 3 years ago. I have been trying to rebuild my credit I pay rent now of 1790 a month. I am a single mom
Just need a forever home for my son and I and mobile seems to be the only thing in my price range
(0) | asked by: Candy Wolfe | share | 8 months ago | Report
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answer by Don Samsel    |   Visit My Website   |   Contact Me
Good morning Trish and sorry to hear what you have had to deal with. Please contact me and lets discuss some other options where we can get you into an actual house (with a lower monthly payment than your rent). There are programs out there designed to help people in your situation. Don Samsel Re/Max Synergy (720)810-5010
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5 months ago  |   Report   |   share
answer by Patricia (Trish) Witulski    |   Visit My Website   |   Contact Me
First I would like to say, I'm sorry you have had to deal with DV in your past. Bankruptcy carries a negative connotation, but know, that it is a second chance for a reason, don't ever feel ashamed! I have lenders that I can recommend...have you started the conversation with a lender yet?
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6 months ago  |   Report   |   share
answer by Sean Young    |   Visit My Website   |   Contact Me
Hi Candy, it depends on your full credit profile. The score is just part of it. If you have your own 3.5% (of the purchase price) down payment that middle credit score may be enough. If you are wanting down payment assistance you will need to have a middle credit score of 620 or higher. There are many options and each really depends on your unique situation. The best thing you can do is to find a loan officer you want to work with, then go through the pre-approval process to find out what you do qualify for. Then if for some reason you don't qualify, have that person let you know what to do so you can qualify in the near future. Best wishes, Sean
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7 months ago  |   Report   |   share
answer by Maralea Norden    |   Visit My Website   |   Contact Me
Candy - have you found your answers yet? If you're still looking for answers - I'd love to hear from you. I have a lender in my pocket who may be able to work with you on a home loan -- depending on your type of bankruptcy, you may qualify for a home loan program. The 10 year rule of thumb is for a bankruptcy to drop off of a credit report... but there are loan programs out there that do not require the bankruptcy to have dropped off for you to qualify... Your situation sounds similar to mine in the not so distant past, so I understand the difficulty and the concern. if you're still looking for answers, please give me a call so that I can direct you to some very good lenders who may be able to help. My sales area is the entire state, so I'm happy to discuss any Colorado community with you.
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7 months ago  |   Report   |   share
answer by Barb Schiappacasse    |   Visit My Website   |   Contact Me
Hi Haley, Not sure where in Colorado you are interested in however I am in Colorado Springs and there still are some (not a lot) of affordable homes available here. I work with a large variety of lenders who have several difference options available. Please feel free to contact me if you would like more information regarding rebuilding your credit or the different programs that may be available to help you.
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7 months ago  |   Report   |   share
answer by Haley Bartlett    |   Visit My Website   |   Contact Me
Hi Candy, have you spoken to any lenders in the area yet. You are paying quite a fair amount of rent too and you may qualify for more than you think. Your first step is to find a lender and get preapproved then you will know how much you can afford and what you can buy. You should also be able to get information on any programs you can use to purchase as well. let me know if you need any other help!
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7 months ago  |   Report   |   share
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