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Forum: USA

Apr 15th 2010, 2:10 am

Replies: 30

Mortgage help

Views: 3,064

Posted By dbj1000

Re: Mortgage help

There's no hard and fast rule about how many lines of credit or for how long - that's just typical BoA bollocks, presenting you with hurdles to jump that may not be necessary.

Talk to other...

Forum: USA

Apr 15th 2010, 2:03 am

Replies: 30

Mortgage help

Views: 3,064

Posted By dbj1000

Re: Mortgage help

I see. Did you get a credit card through your Credit Union in the end?

Forum: USA

Apr 15th 2010, 1:57 am

Replies: 30

Mortgage help

Views: 3,064

Posted By dbj1000

Re: Mortgage help

Which bank refused you for a secured credit card?!?

Forum: USA

Apr 15th 2010, 12:19 am

Replies: 30

Mortgage help

Views: 3,064

Posted By dbj1000

Re: Mortgage help

We avoided that through an 80-10-10 loan, with the extra 10% on a slightly higher interest rate than the 80%.

Forum: USA

Apr 15th 2010, 12:12 am

Replies: 30

Mortgage help

Views: 3,064

Posted By dbj1000

Re: Mortgage help

Good point about the down payment - we needed at least 10% down for anyone to even talk to us, and this was in the days of Zero-down mortgages and all that other sub-prime shenanigans!

Forum: USA

Apr 15th 2010, 12:03 am

Replies: 30

Mortgage help

Views: 3,064

Posted By dbj1000

Re: Mortgage help

Back in 2004 we got a mortgage after only 11 months in the US. We already had a credit card for all 9 of those months, thanks to our friendly Credit Union.

I know things have changed completely...

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