3 years for FHA + all requirements
2 years for Conventional loan
Miami Premier Realty
Click the link below to learn more!
You will need to have proper credit score such as 680 above, proper trade lines, down payment of 5-10% depending on your loan.
But to make sure, my suggestion is to contact a lender or broker and explain the situation. Do not let them pull your credit report! Don't lie to yourself; you know if you have increased your credit score... (By making on-time payments, not over extending)
There are several options for finance, but you need to meet with a broker or lender to get all of your options. No needs to search for a home until you have a solid credit approval.
Best of luck and if you are in need of a straight forward real estate professional, please give me a call. I will tell you facts, not sell you dreams.