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Hello,are they're any mortgage lenders that will wor

I'm seeking a lender that will finance a mortgage for people with less than perfect credit.For some reason Toyota financial has been reporting me late which I am disputing.I paid them off in full today.I paid Toyota and GMAC at the same time every month,but GMAC never reported anything negative.Toyota refuses to admit a mistake.I have been on my current job at Vanderbilt Medical for over 20 years and can make a down payment of 20% or more.I would appreciate any assistance that you can give me.Do you know of any lenders that can assist me? My middle credit score was 629.Thank you! by marylo_679_302 from Nashville, Tennessee. Aug 21st 2012 Reply


William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

The link above "Find A Lender" will get you access to approved Lender411 lenders in your area.. Most banks require a 640 mid score, so you're not that far away.. Here in AZ we have several lenders that go down to as low as 580.. I'm sure there are lenders in your area that will do the same.. there are other factors in determining your eligibility other than a credit score, so the best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Aug 21st 2012
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Peter Botros (PeterBotros)
#70 ranked lender in New York - 895 contributions

Let Linda help you out. Best Of Luck!

Aug 22nd 2012
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Linda Wintersteen (Linda123)
#62 ranked lender in Arizona - 1,256 contributions

i can assist you.. I had a car loan at one time, and I would make two payments at once, and they sent me a certifed title back saying that i was paid in full, and this lasted for about 8 months ,and then they tried to report me late., so I have been there.. you can email me at yourloanpartnerforlife@live.com linda

Aug 21st 2012
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Nancy J Releford (nancyreleford)
#4 ranked lender in Tennessee - 232 contributions

Mary I am a local mortgage broker here in Murfreesboro, TN. Please give my office a call so we discuss your options.ThanksNancy Releford615-867-3060

Aug 22nd 2012
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Jeremy Redlinger (JeremyR)
#29 ranked lender in Minnesota - 191 contributions

Mary,I am sure there are a number of lenders out there who can help you with finding a loan. However, I would suggest working on your credit to get your score up before signing up for a mortgage as a lower credit score translates into a higher mortgage rate. A good mortgage professional will be able to help assist you in the steps you need to take in order to improve your credit score.

Aug 22nd 2012
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jdfk;alf sddkfjlkf (afjalskdflkasdfl)
#17 ranked lender in Tennessee - 16 contributions

I'd be happy to help you and am located in the Nashville area. I've had 12 plus years of helping people bring up their scores. If you'd like to contact me by email you can reach me at jarnold@peopleshomeequity.com or visit or website at www.phemortgage.net

Aug 22nd 2012
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