Can i get a personal loan with bad credit

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find loans low apr here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions personal loan bad credit lenders of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either loan office save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. When we bought our house a few years back, can i get a personal loan with bad credit we went through a mortgage broker who walked us through the process and completed all of our loan applications for us. We gave him every documentation of income, assets etc that he asked for loans bad credit history - W2s, pay stubs, copies of bank accounts and brokerage accounts etc etc etc. Fast forward to today and we realize that we may have been victims of mortgage fraud and that the broker may have lied on our loan applications. Our total GROSS income for the year prior to when we bought the house was - say X - and this included the bonus that hubby had gotten at work.

Worse, our signatures are right next to this figure! However, our federal taxable income is only X- 10,000, not X, because of the tax-deferred contribution. The strange thing is that the broker has put in X - 10,000 as the annual income in our loan application with the junior lender. So, we have two loan applications with two different annual incomes stated on them.

Second it is hard to prove fraud on a loan document unless it is blatantly without a doubt, there. In court a fraud claim would have to be tested and satisfied under what is called rule 12B to even be a valid claim in the court. Banks are protected by the Statutes of Fraud and 3000 loan mistakes on documents are covered under the statute.

I believe you are making too much out of this personal loans no credit checks so settle down and enjoy the kids. I do not believe that any fraud was committed using the example you provided. Contributing to your 401k is voluntary so your gross income is still your income for loan purposes.


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If you needed more money to pay your mortgage you could always stop puting money into your 401k. I know for my child support they use my gross income to determine how much I pay can i get a personal loan with bad credit and not my taxable income. Now if I was required to put money into my 401k, by my employer, then that would be taken into account but since it is voluntary then they do not. It sounds like we may be in trouble with one of the two as a result of what happened -- if we did not overstate our income with Lender No. I think my next step should be to put in a request with both lenders, asking to see what sort of personal and financial info they have on their files about us from back when we purchased this white elephant. You sound like me trying to make it just right and true. Take it from experieince if you are applying for a mod or loan just let it ride until you hear back from them. I think you should be careful in entering such things because as of now, mortgage fraud is in the trend and it just keeps on increasing this past few years. As a matter of fact, the Federal Bureau of Investigation is cautioning the public against the growing amount of home loan fraud in the nation, which largely is comprised of fraudulent loan applications.

The FBI is also warning troubled homeowners to be especially vigilant. They are becoming more vulnerable to modification and foreclosure prevention schemes. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. I just have a question about where one might go to find home values from past sales. When we got the current bad loan we have, the property appraised at 330,000 and 17 months later the appraisal came in at 224,000.

Now I know property values have decreased but this is suspicious and I am preparing all our documents for a review by a real estate attorney. The big thing that stands out in the appraisal is where the comps were.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. When we went through the loan process, we signed all signature lines and initialed all initial lines. Now, the lender is coming up with pages such as the fist page of the promissory note which we never initialed or signed off.


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Also the mortgage papers were modified without our initials. When we went through the loan process, we signed all signature lines and initialed all initial lines. Now, the lender is coming up with pages such as the fist page of the promissory note which we never initialed or signed off. Also the mortgage papers were modified without our initials. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice where can i get a loan with bad credit with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy can i get a personal loan with bad credit and Legal Disclaimer Get free mortgage help today. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either loans for people with bad credit not payday loans save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. The bank (Credit Suisse) slipped a prepay penalty into my closing documents in 2006.

When I questioned my mortgage broker, he initially said yes, that is how it was supposed to be, and I signed the paperwork thinking that I had misunderstood. Later I proved that my loan was NOT to have a prepay penalty, so the broker said he would have it removed. I attempted a refi, and they would not let me refinance back when I still had equity. The savings in the refi could have saved my home... It will boil down to he said she said type of thing I believe, its going to be very hard to prove as cash loan now 4 years have gone by already - unless you have years worth of documents. Some brokers have been caught (see link in my signature block below regarding Paramount Equity Mortgage). Yes, it is predatory lending, but your recourse (unfortunately) is very limited.

You can sue your broker, but ask an attorney about the realities at this point. At the TIME your broker did this to you, it was not illegal according to the new Predatory Lending Laws. It was a RESPA violation to give you a different loan that was on your Good Faith Estimate, but you only have ONE YEAR to dispute that, and sadly, you are far past that.

I would seek the help of an attorney now, to investigate the possibility of loans in houston a lawsuit under Fair Trade Practices... Well get this, I tried to contact the owners of the mortgage brokerage that did this, and they are out of business!

I filed a BBB complaint anyway, just so it would be on record. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Jason Varela, Michael Milton, Parker Stafford, Robert Galitz of the former Harborline Mortgage of Clearwater, FL, colluding with Rocky Point Title, also of Clearwater, Fl, all seem to have conspired to profit by bankrupting me, using my 600k or so in equity to have a can i get a personal loan with bad credit mortgage fee fest! Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. I looked up his name on google and it did not look to good. If there is no attorney involved than a forensic loan audit is worthless..

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. I would run as fast as you can from this guy if I were you. I have also had bogus reports can i get a personal loan with bad credit made about me on this website so take it for what its worth. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem.