I recently lost my job, and got behind on payments. This has really impacted my credit. I’m looking to buy a house, and could afford a down payment, but I need some type of mortgage company that works with people with bad credit. What types of companies are out there to help me in this situation?

My Mortgage Insurance was financed with the home and does not appear on 1098, can I still deduct it? and if I can how?
The amount is over 2K and it is listed on my Settelment Statement. Mortgage is though Bank of America. I was planning to call IRS and my bank but they are closed on the weekends.

I am planning to buy a house in the state of washington in year 2010. Since I don’t have mortgage, I take the standard deduction now and I am wondering if I can keep doing it next year and still deduct my mortgage interest payments.

I am planning on selling my home. I have a 2nd mortgage through the same bank that holds my original mortgage. Would the bank consider converting the 2nd mortgage to a regular loan? My 2nd mortgage is only 13,000 but it does make a difference with the slow housing market.

Hey,

I’d like to buy a house one day, and I am a full time waitress. I love my job, but trying to get a loan, let alone a mortgage seems nearly impossible. The bank looks at my pay stub, and sees that I make minimum wage. I am wondering if anyone has any advice, or knows how to go about preparing to get a mortgage when it looks like (on paper) I make very little money?
Tips are not recorded on the pay stub, and I claim tips as extra income on my taxes.