Who here has have some positive experiences and with what bank? I just get off the phone beside 53 bank and they are full of sh!t. My credit is excellent - 806 and I am trying to refi/consolidate my mortgage and student loan.
Answers: If you're have that much trouble, perhaps you should step to a mortgage broker that may be able to digit out what the problem is. You should also request your free credit reports from annualcreditreport.com or call them toll free (a) 1-877-322-8228 for adjectives 3 free reports.
Two things:
1) First you can't consolidate mortgage debt and non mortgage debt (like student loans) directly into one loan. These two loans have two different loan agreements, settlement schedules, etc.
If this is your purpose, you CAN do cash out refinance and bring the money (from the new brass out loan) and pay your student loans sour indirectly.
2) If your goal isn't to put them into duplicate note--you just want to consolidate them, okay...having a perfect score isn't the merely issue banks evaluate when doing a loan or refinance. I be determined, a teenager can hold an 800 score but this doesn't be a sign of they can buy a home or car. Banks look at win, debt and income ratios, age of credit, income, assets.
Chances are your treat with contempt isn't with credit rack up. But maybe within another area resembling income, assets, age of credit, etc. Hope this helps and well brought-up luck
No one wants to lend right in a minute. The rates are kept high artificially. I hold a 6.25% rate on my 30 year fixed and I wanted 20 years at 5% and my credit is prime and however I couldnt get anything fo what I considered necessary. Due to subprime crisis, noone wants to lend and thus are keeping the rates big.
You can try lending tree or Chase but I can guarantee you they will gain you to 6+% for 30 year fixed even at a score of 806.
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Answers: If you're have that much trouble, perhaps you should step to a mortgage broker that may be able to digit out what the problem is. You should also request your free credit reports from annualcreditreport.com or call them toll free (a) 1-877-322-8228 for adjectives 3 free reports.
Two things:
1) First you can't consolidate mortgage debt and non mortgage debt (like student loans) directly into one loan. These two loans have two different loan agreements, settlement schedules, etc.
If this is your purpose, you CAN do cash out refinance and bring the money (from the new brass out loan) and pay your student loans sour indirectly.
2) If your goal isn't to put them into duplicate note--you just want to consolidate them, okay...having a perfect score isn't the merely issue banks evaluate when doing a loan or refinance. I be determined, a teenager can hold an 800 score but this doesn't be a sign of they can buy a home or car. Banks look at win, debt and income ratios, age of credit, income, assets.
Chances are your treat with contempt isn't with credit rack up. But maybe within another area resembling income, assets, age of credit, etc. Hope this helps and well brought-up luck
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No one wants to lend right in a minute. The rates are kept high artificially. I hold a 6.25% rate on my 30 year fixed and I wanted 20 years at 5% and my credit is prime and however I couldnt get anything fo what I considered necessary. Due to subprime crisis, noone wants to lend and thus are keeping the rates big.
You can try lending tree or Chase but I can guarantee you they will gain you to 6+% for 30 year fixed even at a score of 806.
Resolved Questions: