How do you refinance your home with bad credit?

How do you refinance your home with bad credit? My credit has been good for over thirty years but took a dive during this economic crisis. My husband and I receive monthly retirement annuity and social security checks and I consult on a regular basis.

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Please give answer of the questions that have been asked by my previous poster. Otherwise it would be difficult for us to guide you in the right way.


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What is your credit score? Is it below 620? How much equity do you have in your home? What is your debt-to-income ratio?


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What is bad on your credit??

Talk to a mortgage banker and get their opinion.   If you have sufficient equity, it may not be a problem.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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