I would get in touch with your prefered lender asap.. There is a wealth of information they can provide in helping you with your credit. It sounds like your on the right path.
Feel free to contact me direct for a plan that will work for you. References upon request!
Loan Officer/Real Estate Asset Planner
Financing Solutions for Arizona Real Estate since 1993
American Financial Lending, Inc.
20860 N. Tatum Blvd, Suite 160
Phoenix, AZ 85050-4277
602 277-3800 w
602 631-9788 f
602 524-2401 c
602 912-9438 h
BK # 0910057 NMLS LO ID # 284875
Rose Mullins, Associate Broker
Platinum Premier Realty
8755 E Bell Rd, #106
Scottsdale, AZ 85260
you need to talk to your Loan officer that is working with you ,if you dont have one let me know and i can set you up with one that can help you , you mention you raised you score almost 90 point that is great and should help you get what you need ; your score should be good for fha i would not wait to long
prices have been rising and so have the rates , increase in rates reduces what potential clients can buy and rising prices reduces the pool of homes available in the range the clients are trying to purchase.
i would love to help you purchase you home , if you need a lender please let me know
if you have any questions also email me or call me
thanks have a great weekend
FHA will want to see a clean credit history for the past 12 months, so if any of this is that recent, you will need to wait for that time period to lapse. If greater than 12 months, there is no need to wait.
Bill Parker, NMLS #223607
No need to wait, in fact the sooner we connect with a good mortgage person the sooner you will know for sure. Mortgage will pull a full blown tri-merged credit report to make sure all 3 are clear of your old stuff. In the event something is hanging they can help provide advice on how to clear or change as needed.
We have a couple of other 100% Loan programs if that is attractive to you. 100% and no restriction on area so if you want to be closer in the city we can still get you 100%. USDA is a good program but is restricted in the areas we can choose.