Hard Money Line Of Credit

Maybe, like me, you weren't able to get it all, so you had to give them the money and purchase it
No, I filed on line. I tried to get them to mail it to me, but they said that I already recieved it. When I tried to call there was no real person to talk to me, only a automated message saying how to get my report via the mail.

Occasionally you will have problems getting your report. Mainly it's due to the fact that their records are incorrect, and the info you supply doesn't match.

I've had this happen a lot with people I've helped. In one case the address they had on record was wrong (very obvious error) and they rejected the request three times. I finally had to do the ol' tough-guy routine...send a very nasty letter, along with a filled out copy of a small claims lawsuit. We sent copies of drivers license and utility bills to prove the address was correct. Fortunately they sent the report, and avoided a willful non-compliance lawsuit.

It's a pain, but you will have to request it by mail and supply your information that way. There is no excuse to ever have to pay for your report.

2008-09-12 09:30:59 by Click Here

If you want to invest in real estate and you have found it hard to get a traditional mortgage you have 2 other options.You can get a business line ...

I am trying to buy a small business. I have real estate and an excellent credit score. I am having an issue to get a loan. I do not want to take out a line of credit on my property. I am looking for an alternate resolution. Any and all suggestions and/or referrals are welcome.

Bank of America
Countrywide
Wachovia

2007-05-19 11:20:37 by andysdcden

Price: $49.99

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Yoshi can use his tongue to grab items and shoot them back at enemies, or to snag attach points and swing across chasms

My fiance and I found the perfect house, in a perfect area, with the perfect price. It's spacious, which is great, since we have two kids and three dogs (one is a Dane). The house is 82k. My fiance makes 50k/year. I make whatever comes my way doing web design. Our credit scores are in the low 500's. We have no money saved up (this kind of showed up outta the blue). We go see the inside on Monday, and I already know I want this house. We can't get a bank loan, besides our credit, because the house is deemed unlivable. It has no heat (yet) and there is some electricity and carpentry that needs to be done. I have a handy family, so, to me, it doesn't sound like a big deal. However, I don't know on what grounds they are deeming it unlivable. If we go Monday, and it's a wreck upstairs (the downstairs is fine, from what we could see through the windows), we'll say no. If it is something my family can fix, then we'll say heck yeah! I'll live downstairs until the upstairs is done, for all I care. Now, here's the big problem. Like I said, crap credit and no money. My dad can't help, he has his own house and father to care for, my mother has no job, but has pristine credit. My step father has great credit and gets paid a good bit, but he owns three houses, and I was told lenders looked down on that. If we like the house, we're going to talk to my future mother in law's real estate agent. She has crap credit too, but bought her 90k house with no money down. I hate to sit idle, though. I need to know if there is something we can do. I looked at hard money lenders, home equity loans, and home equity lines of credit. I'm buying an ebook tomorrow that gives me access to sub-prime lenders. Is there anything else I can do? Any realty agents on here that might know? We have never gone bankrupt or foreclosed, will I need a Letter of Explanation? If we can't get this house, then we'll build our credit and money for two years and get a manufactured home. We'll put it right in the utopia town we found. But for now, if there is something we can do, I want to do it. I'm not giving up just because I made some stupid mistakes when I was 18. Thank you to everyone who replies to this! Oh, and thanks for reading all that, it was a lot, ha ha!

And I hate that freakin spell checker... It's as bad as that paper clip on Microsoft Word...

One more thing, we would like to be able to get a loan in addition to the mortgage to fix up the house and put a furnace in... or a wood stove.
Wow, awesome responses so far, thanks all. Apparently my score is in the higher 500's. Unfortunately, it's still bad, plus I'm not technically employed. It's my fiance's score that really matters, I think.

We also have a car loan that's all paid on time, so I hope that looks good.

Mrswearing- the furniture idea's a great one. I like buying stuff too haha. I think I'll try that.

Sylvia- you definitely made me feel inspired! I'll check up on that info!

Kemperk- well, what happened was I turned 18 and got cell phone plans and whatnot... I also don't like having a boss, so I couldn't keep a job. That's why I work for myself ;) Members of my family build houses, so depending on what needs to be done, I should be good there.

Thanks again everyone!
Turns out, I have options. FHA can approve the loan if we give them 5% down. That money can come from a relative, as well, as a "gift". Now all we need to do is see the house to see if it's worth it.

Thanks ;)
Oh and to the first person who responded, Sub-prime lenders do still exist, there just aren't many of them. That ebook was worth the 17 bucks. Lol, I'm not that poor.

My boyfriend just bought a house, and while he doesn't have bad credit, he didn't have any money saved up. He went through a first-time home buyer's mortgage company and didn't have to pay a cent down. He started making his mortgages payments a month after he got the key and everything is perfect, got great interest rates, etc.

As far as a second loan for heat and stuff, i doubt you can get one and if you do the interest might be insane. A lot of mortgage companies will finance in certain things like new windows and a heat pump. They offered us new windows but we're paying for it separate. Also, you will get the first time home buyers credit from the IRS if you havent bought a home in the past 3 years. It's 10% of the loan amount up to $8,000. So for an $80,000 house you can get $8,000 from the IRS and not have to pay it back-at all. So check into that too.

Also, if the house is in too bad of shape, you might not get an insurance company to accept you...this is something to think about because even though your offer might be accepted, you might not get things lined up in time to actually buy the house before the contract ends so there are so many things that can go wrong--just be prepared.

2009-06-18 22:17:40 by Eviscia

I have about some raw land, free of debt, worth several $100,000's. My score is 750 or so.
I'd like to get a line of credit against my land property, very much like home line of credit. Is there such a thing? I think some hard money lenders will do it, but I'd rather not pay 9-15% interest rate... Is there a conventional bank that has a product that will help me?
I understand that it's tough to get a loan for raw land to purchase (I have done it), but I fail to understand why lenders would not borrow a fraction of equity in the land itself, especially if debt free.

You have already found the answer!

National Lenders will not lend on raw land and only some Hard Money Lenders will!

BUT, there may be a local Bank or Savings and Loan who will look at your total financial picture and make the loan. Start with the local Bank/S & L where you have your accounts.

Best wishes.

2007-05-09 11:10:00 by petr1029

I NEED TO RECIEVE A 25,000 DOLLAR LOAN FOR INVENTORY. I HAVE MY BUSINESS PLAN TO SHOW THE DETAILS.MY CREDIT SCORES ARE 618,642,& EQUIFAX DOESNT HAVE A SCORE FOR ME.I ALSO NEED A LOAN TO PURCHASE FIXER UPPER REAL ESTATE. MY OLDEST CREDIT LINE IS SIX MONTHS.I HAVE NO FORCLOSURES,OR BANKRUPTCIES.I HAVE ONE NEGATIVE ACCOUNT ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME,I AM DEALING WITH THE COMPANY & CREDIT COMPANIES NOW TO REMOVE IT.

Apply for a "personal loan" at the below website

2007-02-25 21:24:57 by SWILL