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sweetash229 asked:


My Fiancee and I want to buy a house. He has excellent credit and a decent sized income. I have BAD =( credit and a fair income. Can he get a home loan that takes into account my income combined with his but not my bad credit?

Janelle C asked:


Here’s my situation…My husband and I want to buy a house…eventually. Of course, it’s the all-American dream. However, it won’t be happening for another couple of years, but when it does, we definitely have a hard situation to work with. My husband has bad credit and mine is actually pretty good. What would be the best approach because I know there will be some setback with him being the joint borrower such as a higher interest rate, etc. Would it be a good idea for me to be the sole borrower? Any advice would be appreciated.

tonydgr8 asked:


I have heard that in many cases when people have bad credit, the home owner will carry the loan. What exactly does this mean and does this actually work? I need help, I am trying to buy the house that I am renting. The owners don’t want to rent anymore. I need help PLEASE!!!
-I have a credit score of around 590.
-I don’t have a down payment.
-I don’t care about high interent rates.
-I just want to get into this house.
-I will refinance later if necissary.

colorofthesky717 asked:


I’m hoping to purchase a house this year. However, I only qualify for a mortgage loan of about $80,000 (because I only make $27,000 a year, my credit source is actually quite high). I’m hoping to buy a house around the $130,000 area. My mortgage broker says I could get an FHA loan of higher amount if I have my parents co-sign the mortgage but my parents are not willing to co-sign. However, they are willing to give me a short term loan of $8,000. If I have this amount of money in my savings, will it increase the amount of mortgage loan I qualify for?

Thank you!