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Related Bad Credit Products

Florida FHA Loan, (NO Min CREDIT SCORE)

Florida FHA Loan, (NO Min CREDIT SCORE)

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Home Page > Finance > Mortgage > Florida FHA Loan, (NO Min CREDIT SCORE)

Florida FHA Loan, (NO Min CREDIT SCORE)

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Posted: Jul 26, 2009 |Comments: 0
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FHA Loan Florida

Why choose an FHA home loan for your Next Florida home?

There are lots of good reasons Florida homebuyers choose an FHA mortgage loan over conventional home loans, especially if one or more of the following apply to you

You’re a first-time Florida homebuyer. You have less than perfect credit. You don’t have a lot of money to put down on your next Florida home. You want to keep your Florida mortgage payments as low as possible. You’re worried about your Florida mortgage payments going up. You’re worried about qualifying for a Florida home loan.

 If any of these things describe you, then an FHA loan is right for you. Why? Because FHA-insured mortgages protect private Florida FHA approved lenders against loss. Because Florida mortgage lenders are insured against loss they off you’re a better deal.  

For the Florida home buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

  No minimum FICO score or credit score requirements. FHA will allow a home purchase 2 year after a Bankruptcy. FHA will allow a home purchase 3 years after a Foreclosure.

Other Benefits include:

 Low costs: FHA loans have low interest rates because they are insured by the  federal government

 Lower down payment:  FHA Loans have a low 3.5% down payment requirement, and the money can come from a family member, employer or grant.

 Easier approval: Because FHA insures your lFlorida mortgage lender against loss, private Florida FHA approved mortgage lenders are willing to give you mortgage terms that make it easier for you to qualify.

 No MIN FICO SCORE : You don’t have to have perfect credit to get an FHA insured mortgage. In fact, FHA loans have no minimum credit score requirements, even if you have had credit problems, such as a bankruptcy, it’s easier for you to qualify for an FHA-insured loan than a conventional loan. Bankruptcy Chapter 13 requires 12 months from filing date, and chapter 7 bankruptcy requires you to wait 24 months from discharged unless you can document death of a wage earner or extreme medial condition.

 More protection to keep your home: The

Need to fix a bad credit score?

Need to fix a bad credit score?

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Home Page > Finance > Credit > Need to fix a bad credit score?

Need to fix a bad credit score?

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Posted: Jul 21, 2010 |Comments: 0
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New reports out show that about 43-million of Americans have a credit rating so poor that getting a loan is much more difficult, and when they do much more expensive.

“It can affect your borrowing costs, the amount you’ll pay to finance cars or homes or, certainly credit card rates,” notes Morningstar Financial’s Christine Benz.

A bad credit score can even affect your ability to get a job.

“Some employers actually check up on credit ratings when they’re hiring,” Benz says.  “So, it can actually affect your future employment history as well.”
Personal finance advisors are busy these days doling out advice on how to raise your credit rating and shed the reputation of a being credit risk.

Credit cards are usually where they begin, because that’s usually where poor credit is born.

“If you have a credit card with a ,000 credit limit and you have ,000 in debt on there, that’s not going to look good,” says personal finance consultant Bob Sullivan.

Advisors say getting credit card debt below 20-percent of maximum limit should be a priority.

“Do that to all your credit cards, march through them one at a time and that’s the best way for you to quickly raise your credit score,” advises Sullivan.

AnnualCreditReport.com is one place to get a history of your credit, but you’ll have to pay to see your credit rating.

Contrary to what you see on some tv commercials there is no way to get your credit score free of charge.

Need to fix a bad credit score?

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Home Loan Modifications and Your Credit Score

A Home Loan Modification can help you stop foreclosure and stay in your home. But if you’re like most homeowners, you’re probably wondering how it will affect your credit, and whether in a good or bad way. Unfortunately, there’s no single answer—it all depends on how far behind you are and the kind of mortgage loan modification you’ll be granted.

Best-case scenarios

Technically, since you’re not borrowing any money, a home loan modification won’t hurt your credit score. If you’re paying less in interest, you have a smaller debt burden. And since most lenders prefer an interest rate reduction, there’s a pretty good chance that a Home loan modification will improve your credit score.

The implications are even better if your lender forgives part of the principal, although this is less common. If they write off ,000 from your loan amount, it will show up on your report as a smaller loan, which can increase your credit score.

The lender factor

Unfortunately, it doesn’t always happen that way. It also depends on how your lender reports the home loan modification to the credit bureaus. Many of them will consider it paid for less than the original amount owed, which will count against your score. If you’re already in foreclosure, the impact on your credit can be substantial. Of course, compared to a short sale or a foreclosure, a Mortgage Loan Modification is still the best way to maintain your credit standing.

Tax implications

One of the early problems with Loan modification is that the amount forgiven is usually taxable. That means if your debt is reduced by ,000, the IRS views it as income and imposes the corresponding tax. This can catch homeowners off guard during tax season, as many of them don’t know the tax implications at the time of the modification.

To avoid such incidents, the IRS announced in 2007 that Loan modification would no longer be classified as “prohibited transactions.” This applied to all loans originated from January 2004 to July 2007, the peak of the sub-prime boom, and those due to adjust from January 2009 to July 2012. If your mortgage falls under these categories, you won’t have to file a 1099 declaring the change as taxable.

A loan modification is much like going to court: you can save your money and get a court-appointed lawyer, or you can invest in professional representation and get the best mortgage assistance. Your loss mitigation won’t happen overnight, but if with a capable Loan Modification Attorney, you can be sure you’re in good hands.