a lendor will conduct an interview with you and make a determination
I don't understand what the credit repair company is actually doing for you if you paid everything off and they still can't get those negative lines off your credit report.
With all the recent bad press about the credit reporting agencies negligent errors, you should be able to raise hell and get things removed.
Please feel free to contact Edward Dubinsky at Absolute Home Loans. They are a direct lender and can usually work with most Buyers to get you in shape to be mortgage approveable within 3-6 months. He can be reached at 215-808-5353, firstname.lastname@example.org.
Good Luck with your mortgage pre-approval. Please feel free to contact me directly if I can assist you in finding a home or you have any other real estate related questions. My phone is always on.
Have a great weekend.
All the best,
Larry Lichtman, CNE
REALTOR, Property Manager
Your Real Estate Resource For Life
Cell/Text: (267) 254-7994
Real Estate Sales & Leasing
Property Management & Insurance
1611 Snyder Avenue
Philadelphia, PA 19145
Office: (215) 271-7070
Tim is right! You need a lender who you trust to guide you through the process. If there are things you need to work on before fully qualifying, you need to get started right away!
I would be happy to recommend a few amazing lenders to you to get the ball rolling if you do not already have someone in mind. The criteria you need to meet differs from lender to lender and all loan programs are different. A good lender will find the right fit for you and not try to shoehorn you into something that doesn't work for your situation.
There also might be some special programs depending on where you are looking to buy that you could tap into.
I would love to help you out in any way that I can.
Joshua Stein, REALTORÂ®
Coldwell Banker Preferred â€“ Conshohocken
Office:(610) 828-9558 * Cell:(215) 866-8030
Direct:(484) 270-1165 * Fax: (215) 999-5894
PA License #RS317975
Weichert Realtors Media
267 968 1505
Mercury Real Estate Group
I am a Realtor in the state of Pa. and have worked with many lenders. You need a good lender who will take the time to really look into your credit and give you some suggestions as to what you ned to do. I can recommend someone to you who may be able to help. Please contact me at 215-694-9169 and I can pass his information on to you. He has helped many of my past clients, and I am sure that he will be upfront with you. My e-mail is email@example.com.