I just got off the phone with Heartland Home Finance. With a FICO score of 640 or higher you can qualify for their prime rate 6.875%. That is for a 30 year fixed . They only pull from TU. Got Exp score of 640 but TU is 595. Hope with all these disputes I can get TU to 640. I talked to Bill and he answered all my questions right down to which cra they pulled from.
I thought so too. They also will refinance a home you already have as long as you have had it for about six months. Anyone who has just recently got a home loan at say 7 or 8% I would give them a call. I went to www.mortgagemag.com I believe. If that is not it I saved it under favorites and will look up 800 number for them.
that sounds good. my tu score is not near that, but i have owned my home for three years at a horrendous interest rate, My tu should be looking good soon. this gives me an option.
Hey, we are at a terrible intrest rate, and my TU is 678..This sound really good, could you please pass on the 800 number, I tried to pull up on the web page, but kept getting error. Thanks, Roni
So far so good They have an office in Atlanta. Their BBB record is clean: BBB Reliability Report Heartland Home Finance 5775 Peachtree Dunwoody Suite 530 Bldg. D Atlanta, GA 30342 General Information Original Business Start Date: January 1983 Principal : Mr. Leon Cohen Phone Number: (404) 531-5980 Fax Number: (404) 845-0832 Membership Status: Yes Type-of-Business Classification: Financial-Mortgage And Escrow Companies NAICS Code: 650 The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources. BBB Membership This company has been a member of this Better Business Bureau since April 1997. This means it supports the Bureau's services to the public and meets our membership standards. Program Participation This company participates in BBB CARE. This means the company has agreed to use special procedures including mediation and arbitration if necessary to resolve complaints. Customer Experience Based on BBB files, this company has a satisfactory record with the Bureau. Any complaints processed by the Bureau in its three-year reporting period have been resolved. The number and type of complaints are not unusual for a company in this industry. Number of complaints processed by the BBB in last 36 Months: 0
could this really be true? will heartland really give a loan for just one credit report pull? just transunion? if so, then we are in like flynn our last score was 636 with t/u and i just got two deletions recently - so our score should be higher who has had success in this???? this seems too good to be true peace, jimrie
I called the Atlanta office, they get a tri-merged report Lieutenant, the 800# number you posted earlier is for an office in Ohio. I wonder if they will make me go through my local office if I want to apply? I will call the 800# when they open and ask. Its a possibility that each office pulls a report from the CRA closest to them.
www.heartlandfinance.com/locations.asp ask for bill that is who I talked to and tell him your situation. I came right out and asked him if they pull from all three cra's and then take the middle score and he said no that they only pull from TU. That is the office in Ohio but there are sevceral states they service. North Carolina, Rhode Island, West Virginia etc... He said a Fico of 640 would get me a prime rate.
Hey I just read the FAQ questions in the link listed above. It even says that if you dont know your credit score to call TU and even gives you their number. Either this info is true or the website is misleading and Bill lied.
dang i went to that posted link, and they don't have an office here in south carolina you think that would be a problem? do these places give loans in other states or is that a really stupid question? peace, jimrie
WE LEND IN THE FOLLOWING STATES Arizona, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Mexico, North Carolina, Ohio, Pennsylvania, Rhode Island, Tennessee, Utah, Virginia, West Virginia, Wisconsin and Wyoming. (Red = Coming soon!) Link to that page
hmmmm i wonder why they say this then in their faq gosh, i knew it was too good to be true for us! peace, jimrie
