EB A I'm not surprised you are finding it a challenge to get a lender willing to lend to you separately from your sister.
Appraisers can make what is called a time-adjustment to account for market shifts, but it may be hard to get a lender to accept it, Mr. Heskel said.
Early in the last decade, a FICO score of 700 was good enough for an applicant to get a lender's best deals or close to it.
One caveat: unlike WilliamPaid.com, this site does not report back to any of the three major credit score agencies, but a good report from this site may raise your chances of getting a loan from a lender.
To get started, find a lender near you who is authorized to make FHA loans.
If you don't or they won't help you, get a new lender.
"The reality is you are getting a 2005-style jumortgagegage lender (with other odd high-risk loans) funded primarily by high-cost brokered deposits," John Hempton, the manager of Bronte Capital, wrote on his blog in April.
Some companies, of course, are getting a warmer reception from lenders.
But one big issue with these can be getting a mortgage, as some lenders avoid high-rise schemes or developments with low owner-occupancy.
The trend is being driven by several factors, analysts say, including the difficulty of getting a "jumbo" loan from lenders still stinging from the mortgage meltdown.
