No one NEVER told me I came here to die! 19 years old senior babygirl lined up to take her final walk of life

If you answered yes to any of the above questions you may probably think that you cannot qualify for any mortgage loan (especially if you have been declined by the banks) or fear that your only option may be through a loan shark.

I have good news for you. There are a lot of B-lenders (also called sub-prime lenders) out there that are willing to finance the purchase of your home when the big banks say no. These lenders review applications on a case-by-case basis taking each applicant's personal financial circumstances into consideration whereas most major banks focus more on using their standard underwriting formulas. Some of them also set a conservative maximum loan-to-value and focus more on the quality of the real estate to be mortgaged instead of your credit or income. They will overlook a lot of credit issues and income issues provided the real estate is marketable. You should note however that the interest rates charged by B-lenders are usually higher than conventional lenders. The rates are set to match the borrower's risk level.

Private lenders are another source of mortgage financing for someone who does not qualify for conventional mortgages. Some borrowers fail to see the benefits of dealing with private lenders because of their high interest rates. It is important to point out that there's a value in paying higher rates because it gets you into a home of your own more quickly, so you're building equity instead of paying rent. The increased value of the home over the long term will most likely more than make up for the extra interest payments. This is an excellent way for borrowers to get in the market when conventional lenders won't permit it.

You do not have to be locked in at a higher rate forever. On average, it takes people at least a year or two to fix or establish their credit so you should get a loan for one to three years (depending on your situation) with a sub-prime or private lender, and then go back to a conventional lender to get a fully discounted mortgage deal after you have fixed your credit/income issue.

The number of mortgage lenders and products out there can be very overwhelming. It is therefore advisable to use a mortgage consultant or broker who is familiar with various lenders.

This article alerts you to an alternative mortgage lenders and provides you with some financing options that can reduce the total cost of your home and the time required to pay it off. We have many similar reports that are available at no cost to you.

19 YEAR OLD SENIOR BABYGIRL since she was bought into the shelter today and already past her release date that means she was dumped by her owner to a kill shelter.

OMG!! SENIOR ALERT BALDWIN PK CALI
#A4430662
My name is COCO and I'm an approximately 19 years 2 months old female pit bull. I am not yet spayed. I have been at the Baldwin Animal Care Center since February 6, 2019. You can visit me at my temporary home BRECEIVING.

No senior dog should be surrendered and have to spend their last days in the shelter. Can you imagine how confused they must be? If you are local and you would like to foster, local rescues are willing to help please contact Baldwin Park Animal Care Center.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Baldwin Park Animal Care Center
4275 North Elton Street, Baldwin Park, CA 91706
Phone (626) 962-3577
Ask for information about animal ID #A4430662

STATUS : - read comment for update from crossposter
It is not impossible for people to get home loans with bad credit if a realistic approach is made to the whole application process. There is no point in seeking a huge loan to buy a high-market new home if your income is too low and existing debt is too high.

It is wise to start with the basics, and getting them in order before trying to convince lenders that their investment is safe. Getting approval fast is certainly unlikely, though this does depend on the lender.

But, with some patience, foresight and effort, all the pieces can fall into place so that the funds to purchase a home can be secured. And securing a home loan usually comes down to factoring in key points, from the basic criteria is to finding the right loan deal.

Meeting the Minimum Criteria

The first stage is meeting the minimum criteria. This is usually the easiest part of the application process for a home loan with bad credit. All this does is qualify the applicant for consideration, and a closer look will be taken when lenders are assessing the actual loan.

There are four basic criteria, and satisfying these with ease can help in getting approval fast later on. First is proof that the applicant is over the age of 18, and second is confirmation either that they are a citizen of the US, or have legal long term residency.

The third criterion is that the applicant has a reliable and regular source of income, and that the income is large enough to cover the monthly repayment sum. And the final condition is that a sizable down payment is available, as is commonly expected when applying for a home loan.

Facts to Keep in Mind

It is essential that a realistic attitude is applied to the whole application process. Because of a less than perfect financial position, there are real limits to the range of possibilities when applying for a home loan with bad credit. Compromises will have to be made, and in some cases some thinking outside of the box too.

Applicants need to be prepared to accept higher interest rates in order to get approval. And while getting approval fast is unlikely, the chances of the green light instead of the red one are the motivation. Compromises can also mean having to wait to actually making a move. This can usually be caused by the need to get a down payment together, with sums as large as $20,000 sometimes needed.

This challenge can take as many as two years to overcome. For this reason, some careful planning is needed well in advance. Only then, can the chances of getting a home loan actually increase.

Considering the Loan Options

Meeting the basic criteria and getting financial calculations right is the start. But even after getting a down payment together, finding the right lender and the right loan package is still to come. After all, the terms of any home loan with bad credit are never going to be perfect.

Searching for the best terms online is the most effective method, and with the comparison sites that exist, tracking down the best is certainly easier. Getting approval fast is also more likely from online lenders, though some time at least will be needed. Traditional lenders usually require several weeks.

Put together a shortlist of the best 4 or 5 deals, then contact the lenders directly. That way, the very best home loan package possible can be identified and the application process begun in confidence.

Mark Venite is the author of this article and a successful financial advisor with 20 years of experience. He helps people to get approved for Bad Credit Personal Loan and Student Loans with Bad Credit.

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