Can I pay my mortgage with credit card?
541508
Your lender can tell you.  I'm paying a mortgage on a piece of land I am buying with a credit card that gives cash back.  It's really nice.  Pay the morgtage with card.  Pay card within grace period.  Get 5% cash back.  Of course, you can do miles, too, but the value of miles is waaaaayyyyy down from a decade ago.
695467
I would start by asking your bank.  Since your customers' credit card payments will need to be deposited into your bank account, your banker should be able to recommend a number of reliable service providers.
499566
There are a number of options depending upon your Mortgag company.  There are skip payments, interest only payments, etc... Consumer Credit Counseling (CCCS) cannot help you with lowering your house payment & any company that does not wish to accept CCCS terms will simply mark you delinquent.\n\nI recommend you call your mortgage company - talk to them, let them know your situation and see how they can help.  \n\nYou will be amazed how willing they are to work with you if you call when you are first entering a hard time!!
323991
Yes, if they are still effecting your credit rating. The better your credit rating - the more they will want to loan you. I get automatically accepted for loans and credit cards. I've never had debts - always pay of my credit card, bought my car for cash. My credit card company offered me a loan at 5.9% last month. I could probably borrow that and invest it in the markets and make money! Give the impression you're loaded and they'll offer you more - if you're broke - you don't stand a chance of a loan for the price of a sandwich. With on line banking now - you can move money around your accounts and give them a great turnover and put virtually everything on a credit card. I was offered a new credit card that doesn't incur any interest for up to 12 weeks after the purchase. Stupid interest rate of 19% - but 12 weeks interest free credit can be handy.
22385
If you pay your credit cards to an amount equal to or below 35% of the card limit you will see a score increase. I suggest this to all my mortgage customers when they need to tweak their credit scores to get a mortgage.
174980
Depends on how you paid.  I use a credit card for as much as possible and use an online bank for everything else.  Relatively easy to total specific payments.
106740
I believe you can.  I work for a mortgage company.  Perhaps we can help you.
462639
The answer to this question depends on a lot of circumstances that are specific to your parents, so no one will be able to give you THE correct answer.\n\nThat being said, there are still things to consider:\n\nSuppose your parents owe $100,000 on their current house and $60,000 in credit card debt. Let's assume that's all of their debt - a total of $160,000. Some of that debt is being repaid at a mortgage rate (what that number is depends on when they took out this mortgage), some of that debt is being repaid at credit card rates (again, these differ depending on the cards). \n\nFor the sake of argument, let's say that the mortgage rate is 6 percent and the credit card rate is 14 percent. Without doing the math (which would require a whole new set of assumptions about the term of repayment, etc.), I think it's easy to understand that repaying a loan at 6 percent is "cheaper" than repaying a loan at 14 percent. (Remember, the "cost" of a loan is really how much interest you'll pay during the repayment period).\n\nNow suppose they take the same $160,000 debt and refinance it, but now, all of the $160,000 is borrowed at 6.5% interest, rather than some at 6 and some at 14. Again, it should be apparent that the "cost" of paying back the $160,000 is "cheaper" at 6.5 percent than it was at 6 and 14.\n\n(Remember, however, that the sale and purchase of homes are associated with significant closing costs. In my area, closing costs average about 3 percent of the value of the transaction for buyers and maybe 1.5 or 2 percent for sellers. Since your parents are both selling and buying, they'll face closing costs on both transactions, and the sum total of these costs will be a significant amount.)\n\nAs for your question about closing credit cards - Credit worthiness (your ability to borrow) is based on your credit history. Banks and other lenders are notoriously reluctant to lend money to people who do not already have credit from other lenders. Part of what goes into their analysis is your ratio between credit available to you, and credit actually being used. \n\nYou might think that lenders would prefer to lend money to people who don't have any other outstanding debts, but in reality, it's the other way around. Having an established credit history, using those cards frequently, carrying a reasonable balance, and scrupulously paying them back on a month-to-month basis are all big plusses when it comes to borrowing. \n\nAnother thing that may surprise you is that lenders are more interested in how you are managing your money right now - and not AS interested in your past payment history. The fact that your parents maintained balances for many years and paid them off is not as powerful a "recommendation" for future credit as the cards and balances that they have at the time they apply for more.\n\nIn other words, it's good advice not to close out all of your credit cards. Pay off balances on cards that have the highest interest rates (they're costing you the most), and keep paying off those lower interest cards on a monthly basis.\n\nRemember - this is just generic advice - your parents may need to retain more liquidity with their money, because of their own unique circumstances (age, health, needs of the children, etc.). Real estate has been a tremendous investment for many years, but it's notoriously non-liquid, meaning it takes a lot of time and a lot of expense to get equity out of a home. Other investments (stocks, bank accounts, etc) may have lesser returns, but provide much faster access to money when an emergency arises.\n\nDefinitely speak to a financial advisor who knows your parents' unique circumstances before committing to any particular plan of action.\n\nBest of luck to you and your parents!
392979
I finance people (and first time home buyers) with credit challenges.  There are limits though to what a mortgage company can do.\n\nAs far as our friend that said don't search for companies on the internet, I would say, as a Mortgage specialist, that he is only half right.  I mean really, I have seen people get ripped off from mortgage companies in the yellow pages, as well as the internet.  They are just harder to get to when over the internet.  Luckily, I am a mortgage banker and have offices in New York, so you have nothing to worry about.\n\nIf you would like to possibly get pre-approved for a mortgage, please contact me at timothy.kazee@americanhm .com and we can talk more about this.  If nothing else, I would be more than happy to direct you on how to get to the point of home ownership.  \n\nI will look forward to your call.
655987
Yes it can. Lenders look at your credit report very carefully and a good one puts you on their good side. Having a decent income is another plus in combination with the credit report.\n\nYou will still need to shop around, find the best rate and programs, go to lendingtree.com for more information.\n\nFor information on buying a home and getting a mortgage, if this is new to you, I suggest you see Suze Orman's books, she discusses the process and gives good tips.
466779
If you are a home owner, you can get a "Home Equity" line of credit through your financial insitute against the equity you have in your home. Maybe they can incorporate your mtg payment and the other into one! Or You can also apply for a credit card that will let you transfer debt and get cash money. Pay off everything and have your one payment!!
441768
Apply to a bank or a mortgage company
1012787
You can probably do it, but you'll have to shop around.  Most banks don't offer mortgages on unimproved land, but there's got to be a few that do - but the interest rates may not be so good!
895744
The more available credit you have vs. the amount you owe actually helps you.\n\nMost mortgage companies/banks look at your visa/mc/discover/american express and not your store cards.\n\nI would close the store cards, and keep the rest, just don't use them.\n\nAnd you never know when you might need them and not be able to get them back.
448298
Pay on time and don't be late on anything. On a credit card do some buying with it and then pay it off. Cejay
1048373
Yes, you can! \n\nFirst, you need to find a starter card. You can get one for people with 'bad credit' or you can try getting a small one ($200) through Capital One. I started with that, and bought a car around the same time (not with the credit card, of course! :)). The interest on my car is ridiculous, but such is the penalty for not paying my bills before. After you work diligently to pay off your card every month and keep up with your utility bills, it will eventually pay off. I bought my own house (2 years after finally beginning to clean up my credit) and have several cards now. Most of them I don't use, they are just for emergencies. \n\nYou want to make sure that you don't keep maxing out your card and paying it off. I did that with the $200 card, because I would pay bills, then use the bill money to pay that off. I have a steady job, so I knew it wasn't that much of a risk, but if something ever happens, you're screwed. Your best bet is to carry no more than 20% of the limit every month. It looks better on your credit report. \n\nYou can do it ... it just takes hard work and patience. It won't change over night, but after about a year or two of consistent payments, you'll be in a much better position.\n\nGood luck!\n\nEdited to add: One thing that I forgot to mention is to watch the "program fees" etc. With Orchard Bank, for example, you may get a credit line of $300. When you first get the card though, there is already a $92 balance from program fees, signup fees, etc. I was never really okay with that, so I avoided those cards. It's a place to start if you have no other option, but I would go with a secured card before I would go with a card that starts me out with a $92 balance ...
82228
Cut up all your cards now!!!!  Find the card with the highest rate and pay that one off first then work your way through the Cards.  Try to get a 2nd mortgage at a lower rate.  Also you can transfer the cards to a different card that offers no interest for 3 monthes to a year.  when you get that card ....cut it up...and pay it off