Question by Seattledude: I cannot get a loan to save my life and we have perfect credit.? I have a strange situation. My credit score is 810 and my wife's is 790. We have NO debt at all accept for our mortgage which is about 500K owed. I make around 800K a year. We have 400K to put down on a home and cannot get a loan to save our lives. We have been waiting for the market to go down and down and down and now some of these dream homes (1.2-1.9, financing 800K) are in our reach and put an offer in on one of them only to discover that there is NO jumbo loan programs at all. I live in the Northwest area and make great money and have for the last 5 years. What should I do? Put some of the cash down on our home at this great rate of 5.5% and get my mortgage payment down from 4700.00 per month to mid 2000"s? Or should I try to find a hard money lender and go for the large home (we have 3 kids and one on the way).... HELP. BTW- please don't hate us. I know we are in a good position but honestly I have been poor my whole life until recently. Get my story straight? Listen Missy, I am asking for help, if you don't have any, then shut it. Obviously if the income from my band earns 800K a year on average there is taxes, bills, mortgage, health payments, vacations, food, etc... which I write off. I don't make 800K a year and then just simply put it into the bank. Good grief. I knew this was a bad idea. Best answer for I cannot get a loan to save my life and we have perfect credit.?:
Answer by KK
If you're allegedy earning 800k annually there is no reason why you cannot afford a home. Either stop bragging or get your story straight.
Answer by STEVEN F
Live on $ 200K and pay CASH in 2 years.
Answer by Sweetharttt
Congratulations.... If you are in the St. Louis area, please email me.
Answer by Patty D
I want to make sure I am understanding your information correctly.... You currently own a home with a mortgage of $ 500k you are looking at purchasing a new home putting $ 400k down and financing $ 800k. Then you mentioned "income from my band" so I am assuming that means you are self employed. You will need to look at your last two years of tax returns and take the average of the two years to truly determine your gross monthly income. If that income does not support two mortgages (I am assuming the current home will not be sold before the purchase of the new home) then you may not qualify. Now when you ask about putting cash down on your home to reduce your mortgage payment, are you not investing the money somewhere else or are you willing to invest that money in your home where you do not have easy access to it? By the way - jumbo loans are still available, talk to another lender and be sure to take your tax returns to that you get a straight answer as to why you were turned down.
Answer by Robeo
I do not understand the problem. ?? ( I am a Mortgage Broker) With your scores, half down -- That is nina loan. No income no assets, nothing. My mortgage bank should be able to assist you. $ 434K is the beginning of Jumbo Loans. ??? I would help you gladly...........
Answer by Jenny Wilson
Hello every body my name is JENNY WILSON i live in CANADA just some weeks ago i received a loan of 15kcanada dollars from this loan lender pls help me to greet Mr Steve Davidson,this was how i saw his advertisement on net, Banks will loan you only if you have a excellent credit / Good Paying Job or a great cosigner. Since you will not be having all these stuffs and your credit level is poor you may forget to get a loan from banks. Banks normally don't loan for people who have bad credit. The one and only chance for you is registered private loan lenders. Most of this lenders have their base target in internet. So search online and get in touch with this type of lender. One of my friend got 65K loan from a internet based loan lender. The interesting part is the money is lended in a weeks time and the interest rate is very much affordable. So this is my advise. Visit any lenders and apply online. I hope davidsonsteve11@yahoo.com, will help you in getting a loan with bad credit, loan online.THEY OFFER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! SHORT TERM LOANS ( 1-5) YEARS MEDIUM TERMS LOANS (5-10) YEARS LONG TERM LOANS ( 10 YEARS AND ABOVE) THEY OFFERS LOANS USED FOR THE FOLLOWING... HOUSE MORTGAGE DEBT RE CONSOLIDATION LOAN HOME IMPROVEMENT LOAN BUSINESS START UP LOAN BUSINESS DEVELOPMENT LOAN ETC.... WHEN IT COMES TO FINANCIAL UPLIFTMENT DAVIDSON LOAN VENTURE IS THE ANSWER TO YOUR PROBLEMS... Which you the best....................
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Determining which airlines are the best airlines for inexpensive flights can really be a difficult quest. There are so many airlines that offer inexpensive fares that it is difficult to narrow down the list to come up with the best airlines. There are a few considerations that must be looked at when talking about the best airlines for inexpensive flights like Northwest Airlines. The ideal airlines would offer inexpensive flights that are reasonable, that are not laden down with hidden costs and that treat their passengers to great customer service.
Airlines have generally taken a nose dive in the customer service arena. Flying used to be an adventure. A lot of attention was paid to the passenger's comfort. The airlines were accommodating.
Today it is not the same scene. Airlines are not accommodating any more. Passenger comfort is not top priority. The attitude of the airlines seems to be - you pay for what you get. The airlines send out the signal that they are doing the passengers a favor by providing inexpensive flights and therefore the customers should not expect anything else in the way of comfort or courtesy. Paying for a cheap flight should not exclude customer service.If the best airlines had to be named it would have to be those airlines that have found the middle ground between inexpensive flights while still making the passenger feel as if flying was an event. A good airline that provides both service and inexpensive flights is US Airways, who are continually ranked high among flyers.
Another good airline that has found a way to provide affordable flights without cutting back on services is Northwest Airlines. From the ticketing agents to the flight attendants - everyone is courteous.Another great airline that offers great service no matter how affordable your fare is American Airlines; they have found a way to provide affordable flights, maintain their customer service orientation and not nickel and dime the passengers to death. American Airlines planes are well kept and the flight staff is friendly and accommodating. It seems American Airlines realizes that even if the affordable flights brings the passengers aboard the plane, bringing them back a second time depends on the experience they have during the flight.
When you are looking to save money on your airfare, don't assume that going with the same airline every time that you fly is the most economical of practices. There are many lesser known airlines out there that provide great service, great rates, and an abundance of flights to choose from. By trying out other airlines, not just going with a national chain that is well-known, you can oftentimes save hundreds of dollars on your seat. And do not concern yourself about the safety of smaller airlines anymore than you would when flying with the "big guys"; airlines all operate under the same safety regulations that are set out by the government - which means that smaller airlines are just as safe (and sometimes safer) than their bigger competitors - and often offer cheaper fares.
Northwest Airlines
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Suggest Northwest Airlines - Best Airlines For Cheap Flights Issues
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