i own my home outright and need a loan but have bad credit

The house you own can be put to use toward buying your next house.. Owning your home free and clear of any loan suggests you are good at managing your money and have paid off one of the most.

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You may still be approved for a debt consolidation loan or personal loan but it will be with a higher interest rate. In case that does not sound appealing, you have other options before you. Home equity loan. If you have a bad credit score, you need to give the lender another guarantee that you will pay the loan.

Many people ask the same question. how to buy a house with bad credit? While it’s not an easy task, it’s not impossible. Once you have a copy of your credit report and scores you need to work on increasing your credit rating as much as possible. fha loans are the best fit for consumers with a poor credit.

The underwriting process for a home equity loan is similar to that of a first lien mortgage, so you may not receive loan approval and funding for your home equity loan for a month or longer in many cases. People with bad credit may have a hard time qualifying for a home-equity loan because most lenders require at least 660-680 credit score.

Home Purchase Home Refinance Debt Consolidation Home Equity FHA VA commercial loans reverse mortgage Hard Money Register i have poor credit 557 but i own my house outright. can i get a home equity loan to consolidate my debt into one payment? Basically I would like to borrow some money against the house that I own outright.

 · Those who only recently purchased their house through a traditional mortgage may have a difficult time getting a substantial loan if they need one. If you have purchased your house with cash, you will be able to borrow up to about 80 percent of its value if you are faced with an emergency or need the money for home improvements or other projects.

refinancing home loan costs  · This is especially important because mortgage investors do require that you leave a minimum amount of equity in the home. With a conventional loan, you need to leave at least 20% equity in your home on a cash-out refinance. With an FHA loan, this number is 15%.

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