Can I Qualify for a house

[angeliceyes22]

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 was paid as agreed

 

Income 3600 monthly

 

Monthly debt payments 100.00 car loan

 

Employment at current job since 2011 in the same career for 15 yrs

 

I live in VA and I am a first time home buyer

 

[SunnySideUp32]

Are you using WhyChat HIPPA program to get rid of the medical collections? http://whychat.5u.com/hipltr.html

[angeliceyes22]

Yes I am but I was told by a lender that medical bill were okay if they are under 1000.00. I have paid the OC but they hadn't updated and its been over 30 days. I could push the issue and file a complaint against them for not updated. But there is a chance that it could update as paid and bring my score down. Not sure what to do next.

[SunnySideUp32]

If you haven't already, post the medical situation in the medical forum for WhyChat to give you advice on what to do next.

[SunnySideUp32]

A goodwill letter to Verizon might get them to delete the entry since it is paid.

[angeliceyes22]

Just finished posting everything for Why chat and I never did think about sending Verizon wireless a Good will Letter do they every delete?

[liverichly]

If you opt for FHA financing (3.5% down payment), your max would be around $200k, assuming $3k/year in property taxes, $900/year in homeowners insurance ... payment would be around $1,500/mo.

 

The credit history is fine since all of the negative items are from 3+ years ago, where did you get your credit scores from though? myFICO.com? If so, your scores should be fine.

 

Virginia has a statewide down payment assistance program too ... http://www.dhcd.virginia.gov/index.php/housing-programs-and-assistance/68-down-payment-assistance-dpa.html

Edited March 8, 2014 by liverichly

[road2freedom]

Verizon is not very helpful with deletions. It's worth a shot - just don't get your hopes up.

[angeliceyes22]

I love CB everyone is so helpful!

 

I just pulled my score from MY FICO today. I couldn't get pre approved before because I told the loan officer that I paid the collections. He told me to call back after they updated. Its been a month in a half and Experian and Equifax have verified it as still unpaid. I guess because it was paid to the OC. So I want to see can I get preapproved now.

[angeliceyes22]

I thing I will try psychdoc or the nut case approach it cant hurt any.