You are able to obtain the same credit report that creditors pull up from the reporting agencies for free once per year from each of Experian, Equifax and Transunion. The difficulty is that the reports will not have your FICO scores. FICO scores are key determinants in mortgage lenders decision making in whether or not to advance credit and at what price.
If you are considering a mortgage, feel free to contact me and I can help you out.
Realtor and Loan Officer
ERA Buy America Real Estate Services
Everyone has their own criteria. Be prepared to put up a large deposit and even to offer addtional months rent (worst case). Everything in life is negotiable. Be up front, honest and sincere and that will open doors for you. Have faith that you will find your place and your place will find you.... more
It depends on a lot of variables. But 620 and above is a good start. Doesn't mean you can't be lower, however it will probably cost ya in the interest rate. Do you know what kind of a Fico Score you have now?