Yes, you can. Tthe CHF Access half percent down payment program which can also contribute towards your closing costs as well. You may qualify with no fico scores at all. When was the last time you had a report ran? I can use alternative credit such as your rental history, and utilities, cell phone, car insurance, etc. to qualify. Here is a flyer and a needs list to gather for processing a loan approval.
CHF Access half percent down flyer, pdf
Sheryl Arndt, standard needs list checked, pdf
I am afraid there is nothing in Southgate under 200k and nothing under 159k in Alameda County other than a few shortsales in Oakland that are probably have an offer submitted to the bank. I can only pre-qualify you for $135k with no debts so are there any other cities you may consider? You can get a nice newer home in the High Desert? What city does your husband work in?
Only need to ask a few dozen questions to qualify?
Sheryl Arndt, Real Estate Broker â€“ Sr. Loan Officer
REO & Short Sale Specialist
20+ Years Experience