That sounds terrible to me.

Credit unions are often more flexible.

When you say credit partnership, are you talking about someone loaning you money?

They'll want all the normal stuff; bank account info, LES for several months, hard credit check, etc.

HI Abigail,Acquiring a loan, lenders always look into 3 metrics Income/Assets/Credit.

The are not terrible war zone areas .

@Brandon StainesOption 1: do nothing you stay on mortgage and good is you still own 50% of house but bad is if she defaults then it hurts your credit tooOption 2: have her buy you out but that would require a new mortgage at a much higher rateNot much else you can do.

Lending is tough, you need to know the market you're lending in, usually you want to have an understanding of credit-risk and be able to pull credit and run background to get a better read on your borrower.

@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.

Should I check into local smaller banks here or Credit Unions?