I am not sure if you have a buyers agent but you may want to consider Redfin. Unlike Trulia and Zillow Redfin is an actual real estate agency serving the Lawrenceville area with local agents. PLUS it has a database of homes available that is updated multiple times from the multiple listing service rather than depending on people posting homes and updating their status.
Also Redfin helps with locating lenders, and the website provides everyone with a great home buying guide.
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Most Lenders today require a minimum credit score of 640, although some Lenders will go down to 620 with "compensating factors" such as a down payment of 10% or larger. That doesn't help you as your score is below 600. It is unlikely you could be approved for mortgage financing with that credit score at this time.
Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.
First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.
Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website. http://www.consumer-action.org
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm
The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.
The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.
The 3.5% down payment can be from the borrowers own funds or it can be gifted from a family member. Getting Pre-Qualified is the only way for you to find out your options.
Fannie Mae and Freddie Mac do not allow for credit scores under 620 on conventional mortgages, so FHA would be the only possibility.
To get Pre-Qualified you purchase, you can submit your request online at http://www.rodneymason.com.
Rodney Mason, NMLS #151088
Sr Loan Officer
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia
Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePathÂ® | HomePathÂ® Renovation | HomeStyleÂ® Renovation | VA | USDA | GA Dream | Jumbo Financing
ERA Sunrise Realty
Full time realtor since 1993 in Gwinnett county Georgia.
I have some great homes in Lawrnceville that features big open kitchen,
spacious master bedrooms, and private backyard.
Isabel Elsesser, Realtor
First United Realty
Save Time & Money!
Over 28 Million SOLD
Congratulations on your decision to purchase and being prepared with a down payment. I would be happy to get you intouch with a lender. Please give a call.
Solid Source Realty Inc