I think for many of the questions you have asked, such as on mortgage payments, credit scores, student loans, and making an extra home loan payment, I think you want to try a credit/housing counselor. They should be able to help answer most of your questions, and many services are free if you qualify. Since not sure of your state/town, use this for free credit counseling. Now some may have nominal fees, but most services should be free ofr income qualified people.
Derick wrote:My house is worth about $510k.. My credit score is 555 right now, due to my excessive credit card and student loan debt.nothing has ever been late, it's just that i have excessive amounts of these debts.i make about $2,500 dollars a month, and i'm wondering if i will be able to get a home loan for about $100k so that i can pay everything off..