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Anna Q asked:


I do not have a co-signer with good credit.. What is a way I can get a 6000 dollar loan fast. I also do not have good credit and I do not own a home… please someone help me its crucial.

FEAR LUCK asked:


my girlfriend and I would like to buy a home
we have less than favorable DTI but have a co-signer with great credit
i have a score of about 620 and her 650

how much can i secure at what rate?

what is the likely-hood of even getting a loan

we have limited credit as well I am 24 she is 25

please don’t respond try renting first to raise your score
or pay off your bills first then go for the loan

Heather asked:


My husband and I are trying to get into a house. We thought we were approved, as that is what the loan officer at the bank told us. We went ahead and started the process on the house like appraisal, home inspection, land survey, title transfer, etc. We are a week away from getting into the house and the loan officer says that her underwriter says we no longer qualify. And we will lose out on all of the money we have already invested into the process.

The issue is my husband claimed his personal vehicle miles, since he uses it for work all the time, on our 2008 tax return. She said as a consequence, she had to deduct $12,000 from our income! The truck is brand new! We have only done routine oil changes on it…no major repairs.

Does that sound right to you?? I mean, he does not make $12,000 less, like the underwriter is suggesting. Our monthy home payment comes out to only about $100 more than our current rent payment. So, the affordability is not an issue.

The lender says we need a co-signer who does not own a house. It is easier said than done.

Have you all heard of this?? What can we do to show her that we can afford it and the mileage has nothing to do with our income? Or does it?
Thank you Loan for your first answer. He is not self-employed. He works for a major company as a sales rep. Don’t know if that was an issue. We had to submit all of our pay stubs, W2s, and tax returns.
I mean LoneRanger, thanks….I am just thinking in finance terms right now!! ahhhh!

i am a co-signer of a auto loan and put $4000 down on the car. now i want to file for bankruptcy and i want the car reposes since the person refuses to pay me the $4000 i put down on the car and has paid late every month.
if i do include it in a bankrupcy how would you suggest i go after the other party for all lost $ put into the car by myself? approx $4000
im screwed huh?

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