Hey Carlos,

I'm glad you asked this question. Loan programs are currently changing (significantly). I'd recommend looking into a complete loan application and see if you can go beyond a credit score in qualifying. There are three 'parts' in qualifying for a mortgage loan.

1) Credit. If you're credit isn't great yet, I'm sure that we can work to improve it. I consider myself a credit expert, so I'd be happy to discuss some ways to improve it.

2) Income. Lenders like to see a steady flow of income and good job time. If you can document income, and you don't over spend - you're in great shape.

3) Assets / Reserves. You've got to have a little of money in the bank. This also takes into consideration down payment. if you have a down payment, your loan application is even stronger.

If you'd like to discuss your loan application further, I'd be happy to help. I work across Iowa and I'd love to be a resource for you.

Thanks again for your question.

Keep creating...educated decisions,

Tyler Osby
Wealth Creation Specialist
Four Legacies Mortgage
515-991-7102 (Office)
tyler@iowamtg.com
http://www.wealthwithmortgage.com (My Blog & Website)