Being that it was filed 5 years ago I'm sure you're in the clear, but I think you owe it to yourself to be certain. Please give me a call at your earliest convenience so we can discuss all aspects of your upcoming home purchase and weigh out several options to ensure an affordable payment. I'm located locally in Hackensack and would be more than happy to help you and your family out.
Paul F. Marzolla
Sr. Mortgage Consultant
Clifton Savings Bank may be able to help you as long as you have been paying ALL your bills on time for the past 5 years. If you buy a 1 family house we can offer you a 1st time homebuyer loan where you need to put down 5% of the purchase price & will be eligible for a lower rate than current 3.75%
Also you will pay less fees because you are a 1st time homebuyer.
Clifton Savings Bank looks at the whole scenario not just credit score
We focus on the income & the amount of time you have been at your job
If you buy a 2-4 Unit house or a Condo or Townhouse you need to put down 20% of purchase price
Please call Francisco Mayol 1-917-547-9298 Clifton Savings Bank
Please reach out for me at your convenience.
My name is Melissa Silva. I would recommend speaking to a Mortgage rep that can help you figure out all scenarios.
I work with a couple of mortgage reps they may be able to help you. If you want please send me your information and I can ask them to help you.
I would recommend you begin your search by contacting a mortgage broker and having them pre-qualify you for a mortgage. This will give you insight as to what kind of financing and how much you would be approved for. Once this is completed, you can contact a Realtor to begin your search for a new home. If I can be of any assistance, feel free to contact me.