Home Buying in Oneonta>Question Details

Brittany.woo…, Renter in Oneonta, NY

Looking for a NYS mortgage with a 626 score

Asked by Brittany.woodward1219, Oneonta, NY Sun Jun 30, 2013

I am trying to get a $50,000 mortgage on a house. I was denied by one Modular Home company as I did not have long enough lines of credit. My scores were 616,636 and 646. My gross monthly income is 2040 by myself and another 1000 from my boyfriend who I am also trying to get on the mortgage. He however has no credit score as he has not used any credit. I have a paid trasaction from my highschool tuition, a credit card balance that was taken off due to my identity being stolen and my student loans which are currently deffered. I only made 2 payments before they were deffered. I just took out last month a car loan for 447 a month. I just made my first payment. I am looking into getting a secured credit card. I really want this house. Even if I get a prequal letter stating that in 6 month I will be given a mortgage that is okay. Does anyone have any idea as to what I can do? Im trying to work so hard at this I just want to cry :'(.

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