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
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
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
First of all.... the 540 would likely keep the loan from being approved.
Does he qualify for the $6500 credit?
Have you reviewed the Homepath site created for the public to see what you can learn?
You may learn some things that can assist you if you Browse ... more