Dio

I have account with DFS too....however they have never ever pulled a hard. I received a CLI just recently and they didnt even do a Soft. I would really look into this.

As a result of a change in our business practice, your annual percentage will use a variable rate formula based on the US prime rate. if the prime changes, your APR will accordingly. yeah I got the letter too.

Congratulations sounds like you are in a happy place. I hope to be there soon. Again Congrats to being in your new home.

This is I wanted to know thanks.

LOL.......dude you cant stop can you. congrats.

Was this voted on?

I have 2 car loans with Penfed.

Same boat wifey doesnt work credit is good thought.

We live in FL. Does FHA have a cap on the house price? we are looking at homes in the 200k to 225k.

So FHA is the best bet with regards to lowest out of pocket money? Also and do we qualify for FHA based on the above mentioned income criteria's etc.? I appreciate the info. thanks.

Hello fellow CBers I have never posted in the mortgage boards so please be kind ïŠ I have been talking to DW about a house recently especially with the new tax credit. We have looked in our area and the inventories are pretty decent as well as the home prices. I have fairly decent credit scores mid score is 679 EQ TU & EXP are 719. income is 120k But I guess for me I want to take advantage of the 8k tax credit so what I wanted to know is can we buy a house as a first time buyer, and just use the 8k for the purchase? I can probably come up with a few thousand more but not much more. So as a first time buyer what programs can we qualify for with the income credit score and being that we are first time buyers? Any help will be appreciated and if you need more info from me please ask thanks you in advance.

Agree......progress is always part of the journey. continue forward.

hmmmm......I had a BT I recently paid but have not used the card at all since maybe i should maybe i shouldnt?

I think credit unions are the best with regards to jack, cld, etc. However Penfed pull EQ. Not sure what CU pulls TU.

MyFICO Quarterly Monitoring Oh, heh, heh, I even have that service. HAHAHAH...Bob.