One very simple example: If you wanted to send money to someone in France, you might go to a bank or Western Union, fill out some paper, pay a fee, wait a week.

Use this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onHere is my rating & classification for each livability score.80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F

I work closely with several local credit unions and commercial mortgage brokers and rates were dramatically higher just 30-60-90 days ago. 

You'll be so busy working that you won't spend as much, which increases savings.Talk to a bank and learn how to increase your credit score. 630 is not good. 

Even once you get the mortgage current, your credit may still show the delinquent payments, so it could take some time before your credit seasons to a better score.

They would target low income borrowers with low credit scores (hence the "sub" in subprime mortgages) and foreigners who were not fluent in English and provide them mortgages, often times more than one.

Hi @Kent FordAs you look for your property here is a good website that can be a good point of reference Areavibes.com it gives you a total LIVABILITY score.  

You don’t have to be as strict as a traditional lender, but it’s wise to check their credit score, employment history, and income stability.Flexible Terms for Stronger Buyers: If a buyer has a strong credit history and steady income, you could offer better terms (lower interest, smaller down payment, longer balloon).Tighter Terms for Riskier Buyers: For buyers with weaker credit, you might require a higher down payment, a higher interest rate, and/or a shorter balloon period.6.

We're seeing very favorable local financing with credit unions throughout Oregon in recent weeks and months. 

My credit score is 640 and DTI is 27%.