Industry Experts

Q. Where can i find a lender that provides loans over 5 000 00 to people with bad credit?

Q. Are there any legitimate companys that offer loans to people with bad credit?

Q. Attention: we are ceritified and registered equitable loan investment company. we lend secured and unsecured loans to honest and reliable individual?

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Q. Where can i find someone who will approve me for a loan? i have bad credit and low income.?

i have bad credit due to a job loss but i have been working full time for quite a while now. i just have not been able to get back on my feet. when i was falling behind on my bills i started going to payday loans. now i can't get out of the payday loans, i've applied for loans that are for people with bad credit, but my income is too low. i only make $1,300 a month so they won't approve me. i need to find one who will approve people with low income and bad credit. i am an honest person, i don't intentionally fail to pay my debts, i just need a second chance to get my feet back on the ground. i can't get there though without help and extra money. please let me know what i can do. it would be greatly appreciated.

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Q. Isn't this one of the main reasons for the financial crisis?

now, i mentioned in the previous hour a piece that i saw yesterday by orson scott card. now, this was originally published in the rhinoceros times of greensboro, north carolina, but now it has spread throughout the internet. i looked him up on the internet. he is a democrat. the editor's note here says, "orson scott card is a democrat and newspaper columnist." he is a full-fledged democrat. he is pro-gun control. he thinks that the republican party in the south is still very racist. but this piece... it's nothing you haven't heard before on this program. it's about the mortgage crisis, but mr. card here takes a shot at the media. "would the last honest reporter please turn on the lights? -- an open letter to the local daily paper -- almost every local daily paper in america: i remember reading all the president's men and thinking: that's journalism. you do what it takes to get the truth and you lay it before the public, because the public has a right to know. this housing crisis didn't come out of nowhere. it was not a vague emanation of the evil bush administration. it was a direct result of the political decision, back in the late 1990s, to loosen the rules of lending so that home loans would be more accessible to poor people. fannie mae and freddie mac were authorized to approve risky loans. what is a risky loan? it's a loan that the recipient is likely not to be able to repay. "the goal of this rule change was to help the poor -- which especially would help members of minority groups. but how does it help these people to give them a loan that they can't repay? they get into a house, yes, but when they can't make the payments, they lose the house -- along with their credit rating. they end up worse off than before. this was completely foreseeable and in fact many people did foresee it. one political party, in congress and in the executive branch, tried repeatedly to tighten up the rules. the other party blocked every such attempt and tried to loosen them. furthermore, freddie mac and fannie mae were making political contributions to the very members of congress who were allowing them to make irresponsible loans. "(though why quasi-federal agencies were allowed to do so baffles me. it's as if the pentagon were allowed to contribute to the political campaigns of congressmen who support increasing their budget.) isn't there a story here? doesn't journalism require that you who produce our daily paper tell the truth about who brought us to a position where the only way to keep confidence in our economy was a $700 billion bailout? aren't you supposed to follow the money and see which politicians were benefiting personally from the deregulation of mortgage lending? i have no doubt that if these facts had pointed to the republican party or to john mccain as the guilty parties, you would be treating it as a vast scandal. 'housing-gate,' no doubt. or 'fannie-gate.' "instead, it was senator christopher dodd and congressman barney frank, both democrats, who denied that there were any problems, who refused bush administration requests to set up a regulatory agency to watch over fannie mae and freddie mac, and who were still pushing for these agencies to go even further in promoting sub-prime mortgage loans almost up to the minute they failed. as thomas sowell points out in a townhall.com essay ... 'alan greenspan warned them four years ago. so did the chairman of the council of economic advisers to the president. so did bush's secretary of the treasury.' these are facts. this financial crisis was completely preventable. the party that blocked any attempt to prevent it was the democratic party. "the party that tried to prevent it was the republican party. yet when nancy pelosi accused the bush administration and republican deregulation of causing the crisis, you in the press did not hold her to account for her lie. instead, you criticized republicans who took offense at this lie and refused to vote for the bailout! what? it's not the liar, but the victims of the lie who are to blame? now let's follow the money right to the presidential candidate who is the number-two recipient of campaign contributions from fannie mae. and after freddie raines, the ceo of fannie mae who made $90 million while running it into the ground, was fired for his incompetence, one presidential candidate's campaign actually consulted him for advice on housing. "if that presidential candidate had been john mccain, you would have called it a major scandal and we would be getting stories in your paper every day about how incompetent and corrupt he was. but instead, that candidate was barack obama, and so you have buried this story, and when the mccain campaign dared to call raines an 'adviser' to the obama campaign -- because that campaign had sought his advice -- you actually let obama's people get away with accusing mccain of lyin

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Q. Fha loan approval question?

okay, here's the situation: my fiancee and i would love to buy a house, but we are afraid we just won't qualify for a loan. my credit is terrible due largely to my exhusband. my divorce papers state that we are both responsible for debts in our own names, and that he is responsible for joint debts, as well as the childrens' medical debts, but he didn't pay anything for 6 months and then filed bankruptcy. i am a stay at home mom and my only means of income is child support. my fiancee's credit is right at 600, because he has no credit. his only open line of credit is for a vehicle that will be paid off at the end of this month without any late payments, and a line of credit for a vehicle that was repossesed in 2002. furthermore, he is self employed. so, although he brings in 50k a year, his agi is under 20k. we really are good, honest people, and we know we can afford a monthly piti payment in the neighborhood of $1200 / month. but how do we convince a bank when we only have $4500 for downpayment and closing costs, bad/no credit, and low income? we have the two of us and our 4 children living in a very small 3 bdrm house and we desperately need a bigger place. i swear the walls are closing in on us. we were told by a friend that fha requirements are a lot more lenient than conventional lenders, so what are the chances we could actually get approved?

"(mortgage companies now require 10% with top credit..."

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Q. What do i do about my financial burden?

*sigh* i don't know where to begin. it's a long story.... i will be a undergrad freshmen( i hope)and want to go to an out-of-state private university. to make this portion of my story short, i applied, and got in. in fact, it's the only school that accepted me. i did my fafsa early and finds out that with all my scholarship money, grant money and federal stafford loans (both sub. and unsub) i still don't have enough to finance my education! so i started to apply for private loans from companies such as sallie mae and chase bank. i'm approved for the sallie mae loan, but my cosigner isn't. in fact, it seems as if my entire family has bad credit, because they keep getting denied their cosigner portion of the loan -_- and i don't have any credit either.i can't apply to any other schools because i am literally broke, as in i can't afford to pay the college's admission fee, and i can't get a fee waiver. at the moment i am applying for every job under the sky, but with the economy, i'm just going to leave it at that. when i try to sit and down and talk to my mother about this she's gets very defensive, starts yelling at me and talking over me. she keeps telling me that "god got it", now; no offense to any believers out there since my intentions are not to start a riot or hateful forum, i just feel that i am a realistic person. and let's be honest, when it's time to pay the bills, no one would ever tell their bill collectors that "god has it". *sigh* i am literally at my breaking point. i'm an 18 year old female with-out any help from almsot anybody (i will also be the first in my family to go to college... if i make it there in the first place) and i am sick of talking some people who don't know what the fudge they are talking about and with bad credit. my question to you all is what do i do or what can i do or is there anyway to apply for a private student loan with-out a cosigner? i feel like i really need help with this financial hardship because i have been stressing out every minute, and the stress is starting to feel like i'm having mini anxiety attacks. thank you for reading and reviewing my question.