You will benefit tremendously from finding a mortgage officer who is a Certified Mortgage Professional (a very difficult designation to earn) who can review your credit record and help you understand your options. Some mortgage professionals have relationships with real credit repair companies which will help you out for little to no cost. Feel free to contact me if you are interested in specific excellent mortgage professionals in central CT.
With your income/debt picture as you have outlined it, I hope you have been saving 10% of your income each month.... this habit, which you can start anytime, will open many doors for you and your girlfriend over the coming months!
Good luck and please contact me if you want more specific guidance. Your inquiry will be kept confidential and you may be pleasantly surprised with your options!
your income, debts, etc. ..may help you rise your credit score
or tell you how you can both own a home with what
your credit score is now.
Call me 860-643-9505 home now...later office 860-647-8000.
no obligation what so ever.
Anne Miller Real Estate