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Discussion in 'Credit Talk' started by Shelby, Mar 23, 2001.
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This is my mortgage company. I also got my house through creative financing, in December of 1998. My interest rate is 10.4%, and the seller holds a second mortgage at 11.5% (balloon payment for 5 years). The seller paid all my closing costs and downpayment. It didn't cost me a cent to move into my new home. Also, Provident Bank is VERY easy to deal with, if you get behind due to loss of a job for instance, they will move a payment to the end of your mortgage. I find them to be the nicest people, customer service is great! And the collectors are even very helpful. Just my two cents... Lucy
Here is the link:
Have you looked at FHA loans? All they require is 2 years of good history. A few lates are fine, but any chargeoffs must be paid and no Federal student loan deliquencies. Someone on this board mentioned that they look at FICO scores as well, but my mortgage broker told me a 500 was not a problem. You will get a much better interest rate (8.5% or less). Good luck.
Yes, but I cannot afford to pay all the credit cards that are charged off, I have several that will drop off next year, then I will refinance. In the meantime, I think Provident Bank is great. They've always helped me through tough financial times, no matter how far behind you are, the rep tells me as long as you pay one payment a month you are fine. My mortgage company from 12 years ago wasn't nearly as understanding. If you didn't pay last months payment, it was ALL or nothing. I ended up losing my house to a loan shark because my ex lost his job, that was in 1990, I believe. At least the loan shark made the payments and it was never reported as a negative on my credit report.
Thanks Lucy for the info. How hard was it for you to find a seller willing to carry back? Did you have lots of choices? We have only found one or two houses where the seller was willing to do that and they were dumps!
It took us a few months. We were shown ALOT of dumps (in terrible neighborhoods) before we found an acceptable house in a nice neighborhood. Keep trying. It takes time.
How bad is your score ?
how bad is ur credit since ast 2 yr ?
My score is 589 and I able to find lender who approve me @ 7.12 fixed 10yr . what he did is get 10% equity line and I put 10% down which put my down payment to 20% that mean I WILL BE SAVING pmi plus tax benefit from equity .
Here what u can do go to your bank , spoke directly to branch manager expalin him why your credit went bad I'm pretty sure he should be able to help you out.