Itâ€™s easy to apply on-line at his website, http://www.jimgarrison.com
When you have taken those steps, if you need a partner to help you find the right house for you, please feel free to give me a call. If you already have a buyer's agent, I wish you all the best in your real estate journey. I am sure you will love being an owner vs. a renter!
Blessings upon you...
If you know the collection reports are not yours and you have the ability to prove this you need to contact a good loan officer to help you straighten out your credit. I had a good friend who was named after her grandmother and ended up with a combined report. Issues like this are not hard to fix, they just require proactive measures. I have an excellent home mortgage consultant who helps people overcome their credit "issues" and get on track to be able to qualify for a home loan.
His name is Nick Whitman, and you can contact him at http://www.nickwhitman.com
Once you cure that issue I would love to help you find your first home. If you woud like to know a little mor about the Charlotte area and what it has to offer please feel free to call, text, or email me.
Michael P. Laine
Prudential Carolinas Realty
Unfortunately if they are on your credit report they will need to come off or be paid. There are ways to negotiate the bills. If you are positive they are not yours contact the credit B. and request they be investigated and removed if they are found in error or if they can't be verified.
The process may take 30-60 days.
Desiree Hillard, Broker
Nathaniel Duclos, Broker
Keller Williams Realty
Also, there are other programs out there that offer down payment assistance or 100% financing. I'd love to see if you qualify. You're welcome to contact me directly for a consultation and I'll lead you to the right direction. I only work with the best lenders in the industry.
Broker, CDPE, CIAS
Navigating the credit maze can be confusing and discouraging. If the items on your credit do not belong to you, there are some things you can do. I've helped buyers with scores in the 620 range purchase a home without having to do anything to their credit. Its truly subject to reviewing your credit report.
The other thing a lender will look at is employment history. Will you already have secured employment when you move to Charlotte?
Let me know if I can answer any other questions you may have.
Register at http://gg.wilkinsonandassociates.com/ for a complete list of homes in the Charlotte area.
Wilkinson & Associates
This is a coincidence! I was just looking up Matt Taylor's contact information. He's with Coldwell Banker Mortgage, and he is fantastic. If anyone can help you through the crazy lending standards these days, it's Matt! Once he helps you determine your "purchasing power," feel free to call me to talk about what you are looking for in your Charlotte home. I've helped lots of clients from New Jersey! One just closed on her new home on July 29 (NJ folks love the taxes here in NC!)
Best wishes to you, and feel free to email me with any questions at Melissa@MelissaBrownHomes.com
I can also work with you on the collections depending on age or possibly have them removed alltogether.
As others have said, you really need to speak with a mortgage person. In general, you need a minimum of 620, and in certain cases, with an FHA loan you can get approved with less than 620. However, any sort of collection activity on your file poses a potential problem. Another consideration to your relocation, do you already have a job lined up? If you don't, you most likely will not get approved for a mortgage here in Charlotte, since you would not have the monthly income to support the payment.
I have an excellent mortgage guy that can take a look at your finances, and let you know where you stand and what you would need to do or clean up to get on your way to buying a house. Give me a call sometime to discuss your situation further, and if needed, we can involve my mortgage partner and find out what needs to occur. Even if you can't buy, I can help you find a rental here in Charlotte.
All the Best,
Allen Tate Company
Our preferred mortgage broker has been able to get a few of my clients pre-approved with scores around the 620 range. I would be glad to talk to you about your specific situation and if we could get you qualified.
Feel free to give me a call at your earliest convenience.
Scott Jensen, MBA, Realtor
Carolina Realty Advisors
As others have mentioned, you definitely want to get those things cleaned up on your credit report. It might take a little bit of time, but it will be worth it when you purchase. I can put you in touch with a loan officer who is excellent at this type of thing. Just let me know.
Owner of Group 15 Real Estate
You can probably get financing as it is, however, I would think you would
want to get those removed so you might qualify for a better program.
You would require:
At least credit scores 625 + ,
3.5 % or more down payment,
2 year employment history with breaks of work history,
debt / income ratio in balance.
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors