It would be very helpful if agents on this site either learned the guidelines or stopped answering questions regarding them if they don't.
Piersports, find a licensed, qualified loan officer in your area to assist you.
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Please talk with a qualifies lender to see what options will work best for you.. If it's not the time for you to buy because of credit issues, just spend your time cleaning up things and move forward.
For your purposes, I'd talk to some local mortgage bankers and find out what they can do for you. Based on your limited information provided, it appears you can get this deal done and you just need to find the right partner to assist you in getting your loan.
Good luck to you.
Keller Williams Realty
So, the best scenario is to check with a mortgage broker, give them all of your information and have them do a pre-qualification.
All the best,
Prudential Californi Realty
I work with lenders such as Wells Fargo that go as low as 500 w/ 10% down and 580 is back to 3.5% down. I would be more than happy to sert you up an appointment with my loan officer to see where you stand. Please contact me at your earliest conveience. I look forward to assisting you and gave a great day!
Realtor, Realty One Group
B.S. Marketing with 20 years of business and marketing experience