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I think it's kind of odd...he's asking for it on the application.
Additional Details
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| Has anyone ever gotten a home loan with low credit scores and only in business less than two years? |
Additional Details
my score is 560, husbands is 520
(i've been establishing my credit for 6 months now)
we grossed 79,000 for our first year of ... |
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Jen B | 35k and buying a house? |
Making about 35k a year, would it be possible for me to buy my first home, well a condo that is about 175k? I have great credit and about 32000 to put down. Should I give up hope on ever buying a home or what? I am in the process of being aproved for a loan and finding a real estate agent. |
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Jen G
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Depends on where you live |
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hkjlh h
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yeah you have great credit and find a good deal on homes in your area via this website
http://calihomes.blogspot.com |
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towanda
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Be sure you find someone that will explain to you first time homeowner opportunities. I believe that the downpayment and closing costs can be waived if you live in the house for a certain number of years. There may be other opportunities out there too. Get a good professional. If they don't mention the above, get someone else. |
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the dream
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You should be in good shape to get the house of your dreams. |
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kurticus1024
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you should be able to do that i think
payments under 1K a month I think |
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mortgage help
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you should be fine |
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bujiboy
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sounds like a good idea |
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kishaloy_bhowmick
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Sure man ....
Write to me at kishaloy_bhowmick@yahoo.com and your contact details as well and will get back to you along with the best options for you .
regards,
kish |
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gia
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1 - dont bother with a real estate agent. search all the For Sale by Owner listings in your area--online and in the paper.
2 - do a couple google searches and see how bad the market is right now---it is tanking in many, many areas--and will continue to do so. a very scary time seasoned small real estate investors would say--many of us would not TOUCH the market right now. sit back, wait a year or so--and watch the market fall even more. this is the beginning of the end for many over-leveraged home owners in america. good things come to those who wait in this market.
3 - stay away from VARIABLE RATE mortgages/ ADJUSTABLE RATE mortgages! (ARMs)
4 - consider looking at properties under foreclosure. foreclosures are rising rapidly, in relations to those who have the ARM mortgages, as stated above.
5 - read these articles on the market:
http://www.forbes.com/facesinthenews/2006/11/05/walker-gao-concord-face-cx_rs_1103autofacescan04.html
http://www.consumeraffairs.com/news04/2005/foreclosures.html
6 - and be aware and educated as to what is going on in the US right now: http://www.forbes.com/facesinthenews/2006/11/05/walker-gao-concord-face-cx_rs_1103autofacescan04.html
Good luck! |
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fordcoupe96
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You probably could but be sure you have 3 months income saved and when you do buy....BE SURE to have an attorney represent YOU |
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Louiegirl_Chicago
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first get approved for a loan. don't hunt for a Realtor until you are approved because then you can't tell the Realtor what you will qualify for, so what is the point of looking at anything?
it is going to be very hard for you even if you have NO long term debt whatsoever. as a general rule, you can borrow 2.5 times your gross annual income for housing as well as debt. so the lower the debt, the more you can borrow for the residence.
your downstroke is very strong--it amounts to about 20% of a $175 purchase price. that, in itself, will make your offer look far better to a seller than would one with 5% or nothing down.
your principal, (common) insurance, taxes and assessments alone should not amount to higher than 33% of your gross monthly income, but some lenders let you go higher than that these days due to price. if 33% for PITA, then figure about 38% for PITA plus any long term (over 6 months to pay it off) debt.
happy, happy house hunting. i think you can do it. |
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CreditScoreBooster
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Looks like you should have no problem. $35k dwn on 175k is 20% which is ideally what lenders want. However depending on your debt to income ratio,credit,work history,etc. you could even get a 9-95% LTV.
http://www.disputedemon.com/credit-score/ |
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