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Found 5 results

  1. After many years of paying rent we have decided we want a home of our own. Would 18 months be too early to start the mortgage process? Here is our story...bear with me it's long, Back in December of 2012 we closed our accounts at a traditional bank and moved our accounts to a credit union (bank was giving us no love even when we never overdraft in the 5 years with them). September of 2013 requested a CC from credit union and received it. Been keeping uti under 10% paying off each paycheck. November we received a car loan with credit union for a 7.99% interest for $33,000, paying on time,
  2. Hello, I was pre approved for house and bank just accepted my offer last week, I received notification today that credit score dropped 28 points ONLY thing changed was alert saying "credit usage significantly increased 45%" it takes me to 608 score which is below 620 needed with lender for FHA. Spoke to loan officer and said yes it could affect me closing on home. My inspection is tomorrow so I have time, I paid off card today to $0 balance. Do you think I will be OK come closing?
  3. In the last couple of months, situations have presented themselves, resulting in having to move back home to care for my parents. It was a thought I didn't hesitated on, being, they are the most amazing mother and father any child would be blessed with, I'm so thankful it was me. For 18 years, they took care of me, so taking care of them will come with the greatest joy, patience and ease. Presently, I reside in another city and moving home must be immediate. Fortunately, the house next door to my parents, will be available, which belonged to my grandparents. The people living in the house
  4. Hello every one I would like to know can I qualify for a house and how much house can I afford. Thanks in advance for any help. Credit experian 644 equifax 670 tr 693 I have 3 unpaid medical bills for 384, 44, these are from 2011 and a medical bill for 75.00 only on Experian that will fall off in April of this year I have one credit card with NFCU with a 1000 limit with utilization of 1% I have one car loan with a balance of 2700 it was only for 3000 so it is a new loan I have a paid verizon collection for 48.00 that was paid off in 2011 and 3 personal loans that w
  5. I've been reducing my debt for years to realize my dream of owning a house. I've paid off over $70,000 of my student debt over the last 5 years, but I still have $24,000 to go. Still, I am very close to having enough paid off that I can get a house much earlier than I expected. I looked into getting a mortgage recently, but they said that my debt is still too high to lend to me despite having a good credit score and credit history. In an effort to reduce my debt further and faster, I thought that a good option would be to ditch my car loan (19k) and take over someone else's lease. I figure
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