Home Buying in 78503 : Questions & Answers

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Beverly Jeff…, Real Estate Pro in Waco, TX
Beverly Jefferson Onken Jones answered:
my fico is 638 and I recently had a cell phone bil go into collections, can I still get approved for USDA loan.
Hi!

First of all...is your FICO 638 BEFORE or AFTER the new collection account??? You would be required to pay the collection off in full and have it reported paid in full. Then we w ... more
0 votes Share Flag Fri Nov 30, 2012 Home Buying in 78503
Beverly Jeff…, Real Estate Pro in Waco, TX
Beverly Jefferson Onken Jones answered:
hello there, well i am a first time buyer and im looking for a house. i want to use my us veterans benefits, i already have my (coe) but whats next?
Hi!

I love first time homebuyers and you should find a real estate agent who loves them too!
Truthfully, your first step is to contact a VA approved lender (I am) and get prequalif ... more
0 votes Share Flag Thu Nov 29, 2012 Home Buying in 78503
Beverly Jeff…, Real Estate Pro in Waco, TX
Beverly Jefferson Onken Jones answered:
Rudy here, i am looking to buy a home in 78503 but have bad credit history. what can i do?
Rudy, It sounds like you are headed in the right direction! It's not easy to answer credit questions without actually seeing or pulling your credit report . Most of the biggest problems ... more
0 votes Share Flag Thu Nov 29, 2012 Home Buying in 78503
Leonard Ujkic…, Real Estate Pro in Dallas County, TX
Leonard Ujkic - 580 Credit FHA answered:
I was denied to get a loan because of my Fico score presently are 609, 612 and 653. And I heard in USDA 580 score is good enough to qualify, right?
My bank lends down to a 580 credit score on FHA and 600 on VA. USDA has no minimun credit score requirements but you will need t oqualify with strong income via low ratios - give us a c ... more
0 votes Share Flag Fri May 13, 2011 Home Buying in 78503
Voices Member,  in
Voices Member answered:
i would like to get my credit score. which one should i use
According to the Federal Trade Commission, you can download a credit report request at www.ftc.gov/credit and mail your request to the Annual Credit Report Request at PO Box 105281, Atl ... more
0 votes Share Flag Thu Feb 10, 2011 Home Buying in 78503
Ashley K, Other/Just Looking in Texas
Ashley K answered:
My credit scores presently are 595,531 and 626. would I qualify for any FHA, homepath, homepath reno?
Tony,

Bill is right that a lender should be able to take a look at your score and potentially raise it enough to qualify. I also agree that the HUD $100 down program would be a muc ... more
0 votes Share Flag Mon Jul 12, 2010 Home Buying in 78503
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
My fiance wants me to put my name on our loan because I am a first time home buyer and he's not and wants me to get the $8,000 credit.
This plan has not been thought thru it seems.
First of all.... the 540 would likely keep the loan from being approved.
Does he qualify for the $6500 credit?
0 votes Share Flag Mon Jan 25, 2010 Home Buying in 78503
Voices Member,  in
Voices Member answered:
My credit scores presently are 595, 612 and 643. would I qualify for any FHA, homepath, homepath reno?
Nana

Have you reviewed the Homepath site created for the public to see what you can learn?

http://www.homepath.com/

You may learn some things that can assist you if you Browse ... more
0 votes Share Flag Tue Sep 22, 2009 Home Buying in 78503
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