I am seeking a Loan to pay off Debt and put a down payment on a house, looking for a lender, not having luck?

I am also in the process of starting my own business, not looking for a handout, but a hand up. I have worked at the same company for 10+ years with over 30 years experience in my field. Not getting anywhere trying to find a lender, any suggestions??

First off every time you apply for credit your FICO score goes down 5-7 points , my guess is the debt is credit cards, if maxed out that also reduces your score, all in all your credit to debt ratio must be too high adding more debt will lower your score. Instead pay your bills on time, reduce you credit cards to 30% of the limit, do not close them if aid off again your credit to debt ration will decrease. Work on improving your score and you should have no problem getting a loan for a house and or business

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