There are many programs available for first time home buyers like you. From your initial statements, I would think you could qualify. Your first step is to contact a good mortgage lender to do a pre-qualification for you. Then contact a Realtor like me to find the 'right' home for you to live. From there we work as a team to comfortably guide you in the process. I have several great lenders for you to choose from if you would like. My contact info is below.
Robert McGuire ASR
Your Castle Real Estate
Direct - 303-669-1246
You're in good company. There are thousand of folks in your same position. I would advise your first plan of attack would be to address your credit concerns. I have two very good credit repair agencies that have worked wonders with my Clients in the past. It would be encouraging and uplifting to speak with these folks. They can preform magic in short order. Please let me know if you're interested in speaking with these consultants.
After we get your credit back in order, your search for a condo or townhome shouldn't be an issue. There are several nice complexes in those areas and within your price range, looking for a new owner.
Please give me a call if I may be of further assistance.
303-349-5000 - Mobile
Good afternoon, I would definitely recommend using a local lender rather than online sources. I've had too many deals fall through this year because an on-line lender isn't available for an urgent phone call, or they miss deadlines which ultimately puts your money at risk. I agree with all the comments below as well, credit questions and your overall ability to qualify is better left for a mortgage expert. If you haven't already gotten your questions answered, feel free to contact me at email@example.com
I've had a book published on Amazon called Buying a Home: Don't Let Them Make a Monkey Out of You. It'll be the best $6 you've ever spent. Follow the link below.
Best of luck!
I would recommend to check with local loan officer and see how you can improve your credit score. I am working with some talented mortgage officer which I will be happy to recommend. I am very dedicated person and will be happy to guide you through the process.
PS. My husband is a nurse. Did you find a new employer?
If you have any questions, please email:
What I recommend in your case would be just to go through the pre-approval process with a national agency. I recommend iServe; they have done incredibly well by my clients. If you like, I can put you in touch with a certified mortgage planner who would guide you through that process.
A pre-approval is not a commitment to get a loan. It just lets you know what kind of loan you can get, with your situation, without making any firm decisions.
If you're interested, just shoot me an email at: firstname.lastname@example.org. :) I applaud you waiting to get financing before contacting an agent. Most agents cannot even schedule viewings until you have been approved for a loan.