It's never too soon to talk to lender to come up with a plan of action.
I can VA & FHA loans down to a 580 score so your scores are a good start.
Take a look at ... more
Are these delinquency legitimate?
If you feel the information on your credit report is incorrect you should file a d ... more
There are a lot of things you can do. First is to fully understand where you are now. Looks like the foreclosure is in the rear view mirror and that is good. Each ... more
I'd be more than happy to put you in touch with a local credit advocate that I use for buyers like yourself. They have a high success rate. I have several current hom ... more
First, as already noted, credit scores are calculated by private entities. The government's not going to tell Experian, et al., to raise the credit scores of cert ... more
There are 100% financing programs that have specific criteria, talking with a Mortgage Expert will determine which you and your boyfriend qualify for.
Did you know that 85% of hom ... more
Lots of good answers here. One of the most important factors is going to be your job history and your debt to income ratio. I have worked successfully with lenders w ... more
I had a ... more
In a nutshell you want your scores to be between 620 and 640 for the majority of the loans...
De ... more