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Posts posted by Jmdorozco

  1. VAloanmaster,


    Thank you for the information, it has been very helpful so far!  Is there any advantage to applying with a local broker or bank as opposed to applying on line? (Rocket Mortgage or Quicken Loans, or one of those)?  By advantage, I mean helping us with smoothing the credit challenges or concerns.   I am about ready to choose a lender and get started, but I don't want to "waste" any hard pulls on our credit, I want to use the pull(s) wisely...

    Thanks again! 

  2. Indigo card has 0 balance with only 300 limit.

    Credit one has $364 balance with 500 limit

    The Oregon Community Credit Union credit line has 0 balance with 500 limit


    Such tiny limits, I know, we had to start somewhere... :(


    Thank you for your input



  3. There are 4 unpaid (4 yr old ish) collections accounts.  I am unsure whether to pay them or leave them alone for now.  They total about $2,000.  He has 2 credit cards and a line of credit at our credit union, as well as 2 car loans, all current on payments for the past 12 months, except for 1 car payment.    I just paid off one credit card, so his usage shows as 28% of total credit.  We have Discover card free score 621 (Experian Fico 8), Cap 1 602 (Trans Union), Credit Sesame 602 (Equifax), Credit Karma has 602 for Trans Union and 591 for Equifax.


    Your thoughts on mortgage pre approval within 30 days?  

  4. As an Army veteran, my husband qualifies for a VA loan.  We have an option to purchase the home we are currently renting.  We feel that the owner is going to list the house for sale if we don't get a mortgage going pretty quickly. We have improved my husband's credit scores from a 505 in December 2017 to a 609 this month.  Is there a broker or company that will work with this credit score?  Gross income is about $11,000 per month. Is there any difference as far as assistance in qualifying (rapid re score or tools like that to help us qualify) between internet and face to face applications? Thanks for any constructive input from this group, we appreciate it.

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