The mortgage application process is a pie with many pieces. Credit score is just one of them. There can still be plenty of aspects of your application and/or loan programs that will allow you to purchase at a competitive rate.

I am a Realtor and mortgage broker in the Boca Raton area who not only can help you get a good loan but I also have connections with a credit repair company who has had tremendous success getting my clients scores cleaned up to improve their lending status.

Also, are you a 1st time homebuyer or have you not owned a home in 3 years? There is a new program that will allow you to have the $8,000.00 federal homebuyer tax credit at the closing table to go towards closing costs and down payment.

You need an experienced and knowledgeable real estate professional to help you take full advantage of this unprecedented buyers market. I am ready to exceed those expectations. Call me at 561-929-0428 or email me at buyyourFLhome@gmail.com

Mark Doring
561-929-0428
West Real Estate, Inc.
Bayburg Financial

Even if you are self employed, you can use your tax return to show your income. Also, you didn't mention your wife's income. With scores of 730 and 665 and 10-15% down you should still qualify for several types of loans. In addition, I am assuming you have written documentation of the identity theft which should help.

Linda S. Cefalu

Hi Bob,

Give me a call. Let me know a little more about what you want to have in a home. I'll do the research and find you some homes with owner financing. As the market has changed over the last 3 years I'm see more homeowners/sellers saying they will give owner financing.

Nadine Mauro
Regency Realty Services
561-414-0864
NadineMauroRE@yahoo.com

Hi Bob,
I still do have one investor that has stated income please give me a call to discuss.

Melissa Antenucci
Ameritrust Mortgage Assoc
561-417-9221