I filed bankruptcy about 4 years ago and my credit has been raising slowly. I pulled my credit report and found two medical collections against me that were not mine. I contacted the proper people and they agreed to remove them. Only one was removed and I have been trying for 6 months to get the other off. I have a letter stating they both were to be removed, but when applying for a mortgage online they pull my credit report and see a collection against me.
My debt to income ratio is pretty low so I sould qualify for a home purchase loan, but I have been turned down by my credit union.
Who offers home loans for people with credit problems?

My ex-husband and I are both co-borrowers on a mortgage. I want to re-finance the mortgage in my name only (I have excellent credit with a good debt-to-income ratio, so this shouldn’t be a problem as far as my credit is concerned). I would like to re-finance for about ,000 more than my current mortgage, so I can use the extra funds to "buy him out" of the mortgage. He has agreed to this. We currently have ,000 in equity. Do mortgage companies allow you to have a higher mortgage and "cash out" the remaining funds (in this case roughly ,000)?

We were approved for Wells Fargo 100% financing mortgage with a 6.5% rate (locked) w/PMI – this was two days ago. As of yesterday Wells Fargo announced they are ending this program. Now when our credentials were sent through the software we were denied (by debt to income ratio by 2%). The loan officer has sent the mortgage to the underwriters at wells Fargo for clarification and review. What are the chances they will honor our locked mortgage application? We are mid-transaction with the lawyers and inspection.
UPDATE - We took an option for no PMI higher int. rate.

This would be in NE Ohio. I tried a bank and they declined me because I don’t have 3 lines of credit open, I have one and cause of that one, my debt to income ratio is 42%…only cause I have a car loan…oh yeah, that will be paid off in about a week….then I will have 0 debt ratio, but no lines of credit!! But you know, it is a bank. (Hey…they just lost out on on me banking there and getting ,000 down payment for a house!)

So, now I need to find a mortgage broker, but I DO NOT want to go with anyone online, I want to be able to walk into an office in Ohio and speak to someone. Anyone know of any in Ashtabula County Ohio? Or at least NE Ohio?

I would like to get a mortgage. The problem is that due to my student loans, my debt to income ratio is terrible, along with the fact that I do not have great credit. Any suggestions?

I have checked with my bank, a mortgage broker, and another lender about getting a zero down %100 financing mortgage with no PMI. I have a better than average FICA score, and have a very low debt to income ratio. The best interest rate for a 30yr %100 financed fixed mortgage I rcvd was 7.5 (with lowest closing fees)
My friends and family insist I’m getting screwed over and should be getting a low 6 interest rate.
My question is should I expect a low interest rate when I have no money saved for closing, and no down payment? Does my rate sound normal for high my situation? Is 7.5 really that bad for %100 financing of fixed rate?
(I’m in Texas, 1st time home buyer, recent college graduate, single mother of three young kids—so unable to save a bunch of money)