Direct Banks like Bank of America, Wells Fargo, Chase, etc. will have stricter guidelines that they go by in order to approve someone for a mortgage.
I'm very curious. Why, with those credit scores there where not able to get you qualified. How long have you had the credit cards? Did they specify what type of credit you need to build? It could take 3 to 6 months to a year to build credit.
From the information you given here. I may have two lenders that may be able to help you get approved for a home mortgage.
I use Jennifer Caro with Castle & Cooke Mortgage often. She is very helpful. Will explain the process and let you know exactly what you would need to do to build your credit. If she cannot get you approved now. Her cell is 702.595.6881 and her email is email@example.com
Jared Penn with First Cal. His cell is 702.419.6342 and email address is firstname.lastname@example.org
I would love to help you get in to your new home. Feel free to contact me.
Barrett & Co., Inc.
2885 S. Jones Blvd
Las Vegas, NV 89146
Best of Luck,
Century 21 Tenace
Phil Scheinman, ABR, GRI, E-PRO
Broker * Sales Agent * Realtor
2831 St. Rose ParkwaySte. 100
Las Vegas, NV 89074
David Cooper Investing in Las Vegas since 1994
http://www.lasvegaswinner.org FREE REO Foreclosure List
702.499.7037 FREE Consulatation
Go 2 banks and open a secured line of credit for $500 - $1000 each. It's like a credit card, but you actually put the money in the line of credit up-front (hence it is secured). Use the cards every month, pay a portion of it back, then use the card again... don't pay off the same month, and do use it.
You'll quickly build some good credit.
Mark Fleysher, MBA, Realtor
I would email or phone for a private, no obligation consultation to
Sharon @Southern Fidelity Mortgage 702-862-6775
David Cooper Investor 702-499-7037
If any of your credit cards are over 1 year old, you should have no problem getting a house loan now. Please call me and I will set you up with some loan officers that can assist you immediately.