Posted 18 August 2012 - 06:34 PM
DH and I would like to buy a home soon. Maybe by early next year. We are both first time home buyers and both qualify for the VA home loan. Not sure Ficos but it looks like we will both meet the middle score of 640 by then, if not higher. Although, I would like to not be considered in the application process since I don't have any income and I have some stubborn negatives that will not come off to save my life. What are out options as first time home buyers? Our yearly income is between $55,000-$60,000. Will FHA or VA be our best route? We are looking to not put much down. We bank with Navy Fed. Who is better to bank with when it comes to a mortgage?