You should contact any local bank, credit union, or mortgage broker to see how much you can be pre-approved for with your current credit score/salary/down payment. It is quick and free and there is no obligation. I would be happy to recommend a few lenders to you if you need it.
After you get a pre-approval, you will know how much you can afford and start looking at homes in the price range that you were approved for.
Feel free to contact me with any further questions/concerns.
Please let me know if you have any further questions!
Have a great day
I have a great recourse, please feel free to call him directly.
Cell (760) 217-0820
It is always a good idea to work directly with a Realtor who has excellent customer service skills and is knowledgeable about the area. Please check out my website and call me with any questions.
Have an incredible day.
Top 1% Customer Satisfaction in the NATION
Best of Luck to you.
Keller Williams Realty
Huntington Beach, CA
firstname.lastname@example.org or 858-945-1047
Credit is just one factor lender consider when deciding to approve you for a loan.
They look at:
Your debt to income ratio
Years of employment in the same industry
Amount of down payment
and of course credit.
If your scores are not the best, you may still qualify for a loan but you may not get the very best rates and terms. The best thing for you to do is get in contact with a mortgage lender and start the pre qualification process.
I hate to see anyone earing 150k plus per year pay someone else's mortgage and property taxes!
I suggest you contact a lender, if you do not qualify NOW, they can surely give you some counseling on how you can improve your situation. so you can get approved in the near future.
Please contact me if you need a lender referral or simply have additional questions.
Kawain Payne, Realtor
I've had a book published on Amazon called Buying a Home: Don't Let Them Make a Monkey Out of You. It'll teach you how to buy a home without getting ripped off. Follow the link below.
Best of luck!
minimum credit score requirement. I would suggest applying for a FHA purchase money loan,
since FICO score requirements may be more lenient, and only requires a 31/2% down payment!
If a Veteran, Zero down payment! A small down payment might also be important, since lenders
will require that you have 3 to 6 times your loan payment left in the bank (called reserves). I would see a competent FHA loan broker first, and get a "Prequalified" letter from them before starting your search. I would be very interested in arranging your loan, but I am not a FHA endorsed Broker.
Mel Kim email@example.com
Credit is one major factor in getting a mortgage loan approved. Most lenders will want a FICO score of at least 620.
There are some lenders that may be able to approve you with a lower score, BUT you will not get the best rates and terms.
Lenders also look at your income, and debt to income ratio.
I suggest you contact a lender and arrange a time to talk. Once they run your credit, review your income/debt, they will be able to give you a good idea if they may be able to approve you for a loan.
If you can not get approved now, they can provide some advice on how to improve your situation for approval at a later date.
Just for gathering info, you should speak with a mortgage rep at the bank or credit union where you do your personal banking.
I wish you the very best!
Kawain Payne, Realtor
Prudential California Realty
Buy, Sell, Lease with me!
972-231-0452 ext 109 http://www.whitejacobs.com
There are currently 277 homes for sale in 92626. I would love to show you some options. I live and work in 92626 and I love it!
Please contact me if you would like me to help you find a home. I have over 25 years diversified real estate experience from lending, escrow and as a full time Realtor I can help you with the process of owning a home.
Balboa Real Estate
BRE License # 00981464
I work directly with REO, Bank Owned, Divorce Sales, Probate Sales, Trust Liquidations, Tax Default Homes, Neg. Assessment property, NOD, and other forms of distressed home sales. If there is a deal to be found, I find it.
Working with investors for 14 years, who always have their eye on the bottom line, has taught me to think differently. Let's make this work for you!
Talk to you soon
Ingrid Ski Realtor
on FHA mortgage program you have more flexibility in credit than any other mortgage program
contact your local mortgage broker for detail .
Mortgage Loan Manager
It really depends on a combination of things, what your current FICO scores are, what caused them to be low, what your payment history has been over the last year, what your debt to income ratio is, what your current income is this year over last and of course, what price home your looking for.
The best course of action is to set down with a reputable lender and get prequalified. That way if for some reason there are issues that would prevent you from buying today, they could help you to work out a game plan to get you to where you can purchase as quickly as possible. Sometimes what you feel is the more important thing to do isn't necessarily what the lender finds most important.
If you need some referrals of lenders that will take the time to work with you and find the best solutions for your situation, please feel free to call me. Helping people achieve their home ownership goal is what we work for.
The Busse Team
First Team Real Estate
The first question I would ask you my friend is how much of the home you want to buy? second, is that I will have to talk to you about your credit. It all depends of what kind of problem you have in your credit report. Most of times people think that their credit is not good and when I check them its not so bad after all. Also once I review your credit with you, I can work with you (FREE) and help you do few steps to get your credit to where we want to be in a shortest time. I am a real estate and mortgage broker. I can sit with you and review all of your documents and let you know how much you qualify to buy at what payment base on your current credit. I can also give you several different scenarios to choose from. The answer to your question if you can buy or not? I should say the possibility is quite high. We have 97% loan conventional with NO Mortgage Insurance. We have FHA loans and many other option that you can fall into that catagories with your down payment.
I will be more than happy to give you my free consultation and put everything in perspective. I can promise one thing though. You will walk out of my office with tons of knowledge, all of your question answered and prepared and geared to become a strong buyer before we go out shopping.
You can call me at 949-510-1955 and set a time to meet either at my office in El Tore Road (Lake Forest) or your home whichever works for you. You can also visit my secured website and fill out your financial information before we meet. You can also check the properties like a pro in there too. My website;
22994 El Toro Road
Lake Forest - CA 92630
Can you be more specific about your credit? What are your scores? Do you have open collection accounts, charge-offs, etc.?
Give me a call if you would like to discuss...
Elva A. Wormley
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / BRE #01274093
Direct: (949) 510-5361
Office: (949) 369-9814
eFax: (949) 861-9986