I need a garage built B4 winter. I have 1 paid collection that won't go away. Scores in low 600's. If I put $2K down, will a bank finance me?
Are you trying to get a construction loan, or are you trying to get a home equity loan? I'd advise talking to a loan officer. Before you let them pull credit, explain the situation. You might want to take a copy of your report with you. A credit union may be easier to work with. It will depend on your score and other factors.
