Had bad credit problems 4-5 yrs ago. How can I remortgage?

Due to suffering from depression, me and my husband ran up major debts of 拢30k+ 4-5 years ago. We have made a huge effort to get everything under control and have cleared all our personal debts apart from 拢5k (plus a 拢120k mortgage). We still have a bad credit rating and we remortgaged almost 4 years ago with a sub-prime lender. Due to increasing interest rates, we are now paying 9% APR with a mortgage payment of 拢935 per month on a 拢120k interest only mortgage. Although we both work full-time, we have 3 children and are finding it increasingly difficult to keep up the repayments. There is currently a redemption penalty of 拢7k which reduces to 拢1200 in July 07. Should we remortgage now and pay the 拢7k or wait till July but struggle till then to make the repayments? I am worried we will go crazy locked into these repayments and be off work with stress before then and be unable to make the mortgage payments and risk losing our house? Please help...!Had bad credit problems 4-5 yrs ago. How can I remortgage?
There you go : http://simple-credit-cards-and-loans.comHad bad credit problems 4-5 yrs ago. How can I remortgage?
if you have a job then you should be able to refinance your mortgage, every person has had things that reflect your credit report, sometimes it is better if just one of you use your credit due to medical bills our credit had a few blemishes and we found that our credit together was lower then my husbands alone. don't worry you will still have your name on the mortgage and the house.
Send me an e-mail hilton.ms2000@talk21.com with your contact details I run a financial services business, and I can pass you to a local independant mortgage broker who should be able to help you.
Try www.surefirefinance.co.uk they may be able to help.
check with big house morgage in knoxville tennessee on chapman highway. Reputable and nice.

Helped me buy a house
I've come accross this website and they helped me. They are loan experts and mortgage specialists. The ydeal a lot with bad credit cases. Not only they provide valuable advice, but they also shop around on your behalf and come up with 10 offers to chose from in your area. Go to http://mortgage.yeyeyup.com/form.html
Bad credit is one of the worst problems to have... however there exists a solution.



I will hereby talk from my personal experience.



I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,



a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :



http://umgarticles.atspace.com/debt-cons



if it helps kindly remember me in your voting!.. cheers!

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