How To Buy a House With Bad Credit in 2024

[@KelvinMcNeil]

🏠 Get Pre-Approved for the best mortgage programs in the country while being advised by Kelvin McNeil, Licensed Mortgage Loan Originator NMLS# 2018085 www.ApplyWithKelvin.com

[@Cottonrazorblades]

Hey! Where’ve you been? You have people to teach , Mr. 😊

[@TashMaiBeauty]

I want to not work into my 80s! Working paycheck to paycheck but I also believe that being able to retire includes owning a home.

[@ronbass2272]

Glad to see you’re still grinding and growing 💪🏾💯

[@KelvinMcNeil]

Thank you 🙏🏾 I’m not going anywhere!

[@lotusfalana]

Home ownership , college degree, have a family. , start a business

[@petter215jones]

Definitely needed to hear this cause my score was a 682 when I first was looking and had got a pre-approval. But denied me because of my 2 child support cases they didn't feel comfortable with but still didn't effect my DTI. Now I'm around the 550s and I'm here to the video

[@KelvinMcNeil]

@@petter215jones i’m sorry that you were denied but if you’re still ready to get preapproved, I may be able to help you. I’m a broker so I have a lot more flexible loan programs, and guidelines.

[@KelvinMcNeil]

@@petter215jones here is a link to schedule a mortgage consultation so we can discuss this further: calendly.com/kmcneil10/mortgage-consultation

[@RachelMcNeil]

Thank you for giving out gems once again you’re teachings are so informative

[@KelvinMcNeil]

Always!

[@naturalbrunette07]

Thank you, this gives me hope

[@KelvinMcNeil]

@@naturalbrunette07 good! That was my goal. Once you’re ready to take the next steps let me know and I would love to help you.

[@KelvinMcNeil]

@@naturalbrunette07 you’re welcome!

[@jayfitmorales3129]

Love the info ,a video on DTA would be nice!

[@KelvinMcNeil]

@@jayfitmorales3129 did you mean DPA? Down Payment Assistance?

[@jayfitmorales3129]

@@KelvinMcNeil yes , that would be helpful, thanks for sharing all your info👍

[@IMOD1215]

Can you please help me understand USDA loan?

[@KelvinMcNeil]

@@IMOD1215 yes, I’ll be making a video on it soon but in the meantime feel free to schedule a mortgage consultation with me so we can chat about it.

[@Deftones1224]

USDA video would be great!

[@KelvinMcNeil]

@@Deftones1224 it’s on the way.

[@alejandrodelacruz4981]

Do car repo affect a lot when buying a house?

[@KelvinMcNeil]

@@alejandrodelacruz4981 yes, because it impacts your credit score and you can’t have any 90+ day late payments on an installment account.

[@KelvinMcNeil]

@@alejandrodelacruz4981 but we can help you get that removed at www.greenscalecredit.com/credit-repair

[@virtuous247]

I’ve applied

[@KelvinMcNeil]

@@virtuous247 perfect. Watch your emails because I’ll be reaching out to you.

[@virtuous247]

@@KelvinMcNeil I can't wait.

[@TashMaiBeauty]

Okay I am a small business owner and my wife and I have lower credit scores as elder millennials. My aunt who makes good money said she would help. Could she submit her income as a garuntor to help if she will not live in the house.

[@KelvinMcNeil]

Yes, an aunt can cosign for a mortgage under certain conditions. According to the USDA guidelines, if an applicant does not meet the repayment ability requirements, they can have another party join the application as a cosigner or have other household members join the application

[@KelvinMcNeil]

An aunt can even cosign for a mortgage with both FHA and conventional loans under certain conditions. FHA Loans: For FHA loans, a cosigner can be a family member, which includes an aunt. The FHA guidelines specify that family members can be involved in the transaction, including signing the security instrument or Note [1]. Conventional Loans: For conventional loans, such as those delivered to Fannie Mae, the guidelines do not explicitly restrict family members from being cosigners. Therefore, an aunt can cosign for a conventional loan as long as she meets the lender's requirements for cosigners. In both cases, the aunt must meet the lender's criteria for cosigners, which typically include creditworthiness and the ability to repay the loan. If you need more specific details or have additional questions, please reach out to your UWM team for more information.

[@hizway4ne]

DPA videos please!

[@KelvinMcNeil]

@@hizway4ne here’s one kzbin.info/www/bejne/fpmzZ6uFetJ4n7ssi=If4Guf2NeIipbuBb

[@letitiadavis7209]

I need your help with my credit please

[@KelvinMcNeil]

@@letitiadavis7209 www.greenscalecredit.com/credit-repair

[@SuperLeonard7]

What's programs are available for Veterans ?

[@IMOD1215]

Do you help in Texas?

[@KelvinMcNeil]

@@IMOD1215 yes, I’m licensed in Texas. How can I help you?

[@trayaiken4565]

Awesome information!!!! How do I sign up for your credit program?

[@KelvinMcNeil]

@@trayaiken4565 schedule a credit consultation at www.greenscalecredit.com/credit-repair

[@cheryllebby-gaillard125]

Do you have to live in the state of Georgia?

[@KelvinMcNeil]

@@cheryllebby-gaillard125 no this loan program is available in all 50 states

[@lotusfalana]

I don’t have the credit or job history but I eligible for a VA home loan

[@KelvinMcNeil]

@@lotusfalana watch the full video. Then tell me if it changes your mind.

[@KDSFosterCloset]

Hi Calvin I would love to speak with you

[@KelvinMcNeil]

@@KDSFosterCloset how can I help you?

[@rickybearden4575]

it wont work ive tried everything all the you tubers suggestions forget it f.h.a. and all the others unless your not going to get a loan unless you have a 900 credit score and three fourths the homes asking price for a down payment you will not get a loan so forget it i know i tried it talk to a loan officer where you do your banking !!!

[@KelvinMcNeil]

@@rickybearden4575 I’m not a KZbinr. I’m a licensed mortgage broker who makes KZbin videos… there’s a difference. Yes it’s possible when you’re working with a broker like myself who does manual underwriting and non-qm loans.

[@KelvinMcNeil]

@@rickybearden4575 let’s talk. Credit score isn’t the only factor and as mentioned in the video you’re gonna either need cash for down payment or good credit. You cannot qualify to finance a house if you have neither.

[@KelvinMcNeil]

@@rickybearden4575 use this link to book a mortgage consultation and I’ll be transparent with you. If it can’t be done with your current situation I’ll put you on the right path. calendly.com/kmcneil10/mortgage-consultation

[@ibrahimkoji9295]

Can people just get to the point why you gotta go all around the world get to the point

[@KelvinMcNeil]

@@ibrahimkoji9295 if you’re watching this video, it’s because you need all of the information I put into it. This is KZbin, not TikTok.