Congratulations on cleaning up your credit and deciding to invest in real estate. Now may be the most opportune time for you since interest rates and prices are lower than they have been in years. There are several apartments avail in Fordham Hill Oval that you may like. However, the first step you should be taking is getting qualified from a lender. This will give you an idea of the price range you should look in. Another area in the Bronx you may want to look into is Parkchester. Parkchester has condos primarily. However, in some cases, you may find it easier to obtain financing on a condo instead of a co-op. Should you have further questions, I'd be more than happy to help.
Happy co-op/condo hunting!!
Harlem Homes Realty Inc.
212-961-1313 ext 61
Luis Fernandez, ABR, CIPS, GRI, QSC, SRES, Top 1% of Westchester Brokers
The Luis Fernandez Sales Team
Keller Williams Realty Group
760 White Plains Rd
Scarsdale, NY 10583
Tel 914 902-3251
Fax 914 931-1791
Cell 914 309-9383
Check out http://www.uhab.coop for more on buying in an HDFC and private listings.
A word of caution...let your fiance apply for any loan. Once you apply as a couple, your banruptcy will become part of his credit report., pulling down his scores, and reducing your buying potential. I've personaly experienced this, and no one spelled out what we did, until it was too late, and it took 10 yrs. to overcome the negative affects on both credit reports.
Warmest regards and good fortune to you in the New Year!
Century 21 Princeton Properties