Steve Baker

Hi Norlin,
You are very smart to consider your options before you start the process. You don't know how many times people get it backwards. So many people start looking for a house before they even know what (or IF) they can qualify for. Your first step is to find out what kind of shape your credit is in, and then start a plan to restore it to where it needs to be. There are a lot of companies out there that offer a "free" credit report, but all but one of them are not really free. They will try to get you to sign up for a trial credit watch program or the like. There is only one official site where you can get a free tri-merge (all 3 credit bureaus) credit report, and that is http://www.annualcreditreport.com.
The next step is to talk to a professional. I can help you do both. I am a direct lender who specializes in FHA mortgages and I am also certified to do the USDA programs that were spoken of by an earlier poster.
But the first step is your credit. I work with a team of attorneys that eat, drink and sleep credit law. They have been very successful over the past 18 years in removing all types of derogatory credit for my clients credit reports. They serve an average of 15,000 members each year, and raise credit scores and average of 127 points in 6 months or less.
So when you're ready, give me a call. 888-712-1154, my extension is 5. - Wed May 28 2008, 17:47

Here is a site that you should find most useful. http://www.ushud.com/links/
I hope it helps. And let me know if I can help with your financing. :-) - Tue Jan 22 2008, 18:18