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Finance > Credit > Credit CardLow Credit Score Home Loans - Mortgages For People With Poor Fico Credit Scores
Posted by nick_niesen in Finance on October 29th Women's Kevin White Jersey , 2010


Whether you are refinancing, getting a second mortgage or home equity loan Women's Cody Whitehair Jersey , getting a mortgage loan with poor credit history can be tough. In the eyes of the lender, having credit problems puts more emphasis on the other qualifying factors to determine whether or not you can get approved.


Here are some tips to help you get approved for a mortgage loan:


1. Consider ways to come up with a down payment - Even a 2-3% down payment can affect your ability to get approved for a mortgage loan or help you get a lower interest rate on your loan. There are many creative ways to come up with a down payment. Sometimes it can be worth saving for a few extra months or a year to come up with a down payment.


2. Lenders will be looking closely at your income and job history - With bad credit Women's Leonard Floyd Jersey , lenders are going to want to make sure that your income is more than enough to cover all of your minimum payments. The longer you have been at your job, the better. If you are close to the one year mark for your employment Women's Bennie Fowler III Jersey , consider waiting a little longer at your job before you apply for your mortgage.


3. Lenders will want to see your most recent debt payments being made on time - Even if you have had credit problems in the past, lenders will be looking closely at your payment history over the last year or two. They will be most interested in how you make your auto Women's Allen Robinson II Jersey , utility and credit card payments. If you are consistent with those payments now, the lender may be willing to overlook past credit problems.


4. Try using techniques to increase your credit score - There are many tips available online to help you raise your credit score. There are 16 ways to improve your score here. You can dispute online Women's Eddie Jackson Jersey , for free, any inaccuracies that are shown on your credit report. This can begin raising your score Women's Tarik Cohen Jersey , sometimes within 30 days or less.

Back pain is one of the most disruptive pains and many people suffer with it for several years. Back pain can be tough to diagnose which makes suffering more complicated. Is it something that will heal on its own or does the person need surgery? While many spinal or back injuries will heal with time, sometimes surgery is your only option for recovery. In many cases people will need to travel to find the right spinal surgeon. If you need surgery on your back to improve your health there are several top surgeons in the United States that specialize in spinal care.

Dr Kevin Gill – Texas Southwestern Medical Center

Dr. Kevin Gill is regarded as one of the top spinal surgeons in the world for a number of reasons. Dr. Gill has pioneered using new technology and materials Women's Adam Shaheen Jersey , including artificial disc implants that allow for better movement and flexibility in the back. These new technologies have helped major surgery become minor procedures, with some surgeries lasting only about one hour. Recovery time is also sped up with most patients fully healed within two weeks. Dr. Gill has received one of the most prestigious awards in the country from the American Academy of Orthopedic Surgeons for some of his research and findings.

Dr Jeffrey A. Goldstein – NYU Hospital

Dr. Goldstein has been one of the nation's leading spine experts for several years. He has been named a top doctor in New York by New York Magazine for six straight years. He specializes in lumbar and cervical disc replacements and like Dr. Gill is very successful implementing minimally invasive surgical techniques. Dr. Goldstein is the perfect surgeon for anyone who is suffering with a degenerative disease or deformity of the spine or back. He has published several papers and books on advances in spine surgery and sits on multiple boards.

Multiple Doctors – Rush Hospital

Rush Hospital is one of the leading spine and back care centers in the world. Rush University and Medical Center is located in Chicago and has been named one of the top hospitals for spine and back care by U.S. News & World Report. Rush's team of doctors is especially adept at diagnosis Women's Mitchell Trubisky Jersey , which can be difficult when it comes to back pain. It's a good choice for a second opinion before your commit to surgery.

Dr Anthony T. Yeung – DISC

Dr. Yeung heads the Desert Institute for Spinal Care in Phoenix, Arizona. Dr. Yeung has been named on multiple “top spinal surgeons” lists and was named the top doctor in Phoenix in 2011. He was also included in The Becker's Orthopedic Spine Review's list of the 100 Best Spine Surgeons in America. Dr. Yeung specializes in treating the causes of back pain from degenerative conditions in the spine Women's Anthony Miller Jersey , especially herniated discs or bulging discs. Dr. Yeung uses technology like imaging as his guide which allows him to visualize and target a patient's pain. He was the first to use endoscopically guided lasers and developed the FDA approved Yeung Endoscopic Spine System. He is also the author of over 85 scientific publications on his ground-breaking techniques. "



WASHINGTON， Sept. 23 (Xinhua) -- The Houston Rockets Owner Leslie Alexander announced Friday that Yao Ming will have his Rockets No.11 jersey retired on February 2.


The team plan to retire the jersey of Yao during the team's nationally televised game against the Atlanta Hawks on Thursday， Feb. 2.


Yao Ming， the recent Naismith Memorial Basketball Hall of Fame inductee， was selected the first overall pick by the Rockets in 2002 draft and spent his entire-career nine years with the organization.


The 36-year-old Yao Ming averaged 19.0 points， 9.2 rebounds and 1.9 blocks while shooting 52 percent from the floor across 486 career games. He was selected to start for the Western Conference in th. Cheap Jerseys From China Cheap Jerseys China Wholesale Cheap Jerseys China Wholesale Cheap MLB Jerseys China Cheap Jerseys China Free Shipping Cheap NBA Jerseys China Cheap NCAA Jerseys From China Cheap Womens NBA Jerseys Cheap Youth Soccer Jerseys Cheap Adidas NHL Jerseys Wholesale