Please Help. . . . . Desperate

Hi cgboyet

What is the status of the account with Palisades now? Is it paid off? If so, you should get the PIF in writing.

Please shed some more light on this issue to get a better idea.

I believe you are not dealing with a "strong enough" mortgage broker....regardless of how your credit reads you CAN absolutely get a loan. Further, I am assuming the loan is still outstanding as it has been over the 7 year mark; at 7 years it should be deleted regardless by all agencies at your request. I need to reiterate you are not dealing with the right broker! To say you can not by a home is absurd. If you advise your state..perhaps someone can put you in touch with someone. I have someone in upstate/western NY; someone else in Baltimore, Md. etc.

ALSO, P-L-e-a-s-e- don't let anyone else pull your credit...mortgage brokers can be notorious for overpromising and underperforming. It is now (finally) your legal right to obtain that credit report from that broker, then take that report to another mortgage broker. You need to find an agent who works with subprime, like option 1 mortgage, and there are many others. If your credit score is 500 or above you can get a mortgage with a bank- below, you are limited to hard money or seller financing. Scores above 620 rates start to drop, at 680 you can get an American Express card, rates drop again, then around 720 still lower rates. Onward and upward. Don't let one "expert" (yes I'm sarcastic) dictate your future plans -- keep shopping! You'll be in your new home in 30 days if you want.