The Mortgage Bankers Association believes that Hispanic borrowers often steer clear of mainstream lenders due to deportation fears and their dependence on cash transactions.

The amount of business they miss is tiny compared to the mainstream deals (retail buyer who expects to stay a while).

However, I just received notice today from my current screening agency (landlord2landlord.com) that I will no longer be able to pull credit reports with out having someone from their office come out to do an "on-site inspection" of my "property management office" to ensure that if it is in a residential location, it is secure and separate from my living area.As you can imagine, I do not have an entire (locked) room of my house devoted solely to managing my (one) rental unit (although I am of course careful with storing confidential information, as any responsible landlord would be).

Hi,If you offer all cash on a property to a agency thats selling that piece of real estate ( hud, fannie mae, country wide etc ... ) will that have the same impact if you were to offer a person all cash ?

With that came a nice note from the collection agency thanking me for my mess up and alerting them.....Thanks lexington great job.Secondly - They disputed two cards that are over 3 years old and had a perfect Credit history. they are now removed and my credit score is tanked.

Just having him call the credit card agency?

This change took effect on 9-1-07 but may not be effective until all reporting agencies update their systems.

They will probably want you to sign a buyer's agency agreement so you won't go around them.

What you probably need is someone in the state government agency that is helpful, and really knows what they are talking about to get it resolved.

I would pull your credit report yourself from the three agencies and start shopping around with different loan officers.