We offer Credit Restoration, We can remove everything then we rebuild your credit, the process takes about 30 days. No upfront fees.
You could have a 740 fico in 30 days.
Call me for more info and pricing.
We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 415-5626.
Sr. Loan Officer
Crosscountry Mortgage Inc.
Toll Free: (855) 415-5626 ext. 5734
In terms of finding a home in the 92129 area that would fit your needs, I don't think would be an issue. You might want to talk with some lenders to see what they say about home much you are approved for and what you could do to improve your credit score. Many times they are very helpful in suggesting things that will help get your qualfied for a loan.
Coldwell Banker Residential Brokerage
Don't give up, I would work on improving your credit first still. They offer credit repair classes at the continuing education center http://(www.sdce.edu). You will be surprised how fast your credit will improve once you lower those debts. Sometimes you can make deals with the credit card companies on payment plans or a one time payment with discounts.
When there is a will, there is a way. I have one friend who just got title of a condo from their roommate/homeowner. I also see some owner financing options that might be an alternative.
About the 92129 zipcode... I have been researching condos in the 92129 RP & RB area for some clients and you are looking at 350K+ condos with really high mellos roos and HOA in some areas. The high monthly fees will lower the amount that lender will pre-approve you for.
Things happen for a reason and we're here to help you out of your problems. I would suggest sitting down with a loan officer and going over your file and credit report to see what can be done to improve your score and if there are any other road blocks to you qualifying for a loan. Please do this face to face with a local lender, that is only way you will be able to come up with a plan to get you into a home and find you the loan that best suits you.
Feel free to get in touch with me anytime, and best of luck!
CEO and Founder
Reef Point Realty & Construction
Alex Shadpour, CRSÂ®, ABRÂ®, SFR
REALTORÂ®, ZipRealty Team Leader
Business: 858.605.1911; Fax: 866.886.4874
ZipRealty, Inc.; Licensed in CA, #01459622
Council of Residential Specialists (CRSÂ®)
Accredited Buyerâ€™s Representative (ABRÂ®)
Certified Short Sale & Foreclosure Resource (SFR)
I have grown up in Rancho Penasquitos and I live in Poway. I can help you even if its seller financing or if we originate some private financing. Email me direct ok: BrandonLong@regionalrealty.org
Talk to you soon, dont worry girl:)
But you are wise to get your credit cleaned up and buy a home that you can gain equity in.
Real Estate Broker/ RealtorÂ®
McAllister Homes Real Estate
Residential Sales & Property Management
Best of luck.