What are the main lending criteria for a secured loan?
Answers:
If it's a home you can get a loan on it as soon as you own it in most cases. There are cases, though, that if your credit isn't as good as it should be, that you need to be in the home for 6 - 12 months before being able to refinance it.
Credit score, debt to income, and loan to value are 3 of the main things they look at.
If this doesn't answer your questions about refinancing your home, email me or check out our website.
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credit rating
Probably not , unless your mortgage is well under the maket price of your house. You must also be able to afford the extra repayments ! Doesn't sound a good idea in your case - sorry.
If you have equity and a reasonable credit score, it should be possible. Fill out the free evaluation form at www.totaldebtsolutionsllc.com and i will have a loan officer contact you.
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I dont think they will touch you, unless you can prove your address and maybe a previous address.
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