You are really close, Elease! Meet with a lender there in Oakland. Sit down and talk with them. After they run your credit checks and history, have them show you where you could improve. Then make a plan and stick to it. I had a client with a lower score who did this and she called me in 3 months all excited that she had brought her score up so fast! Yes, she's now in her house. She did the work. We found the right home for her, negotiated the best price and she moved in several months ago. You only need to come up a few points - you can do it!... more
The answer might well be yes, but not right now. I don't broker loans, but we do have an in-house lender arrangement with the Bank of Commerce Home Mortgage. I would be happy to arrange the contact so that you assess your borrowing power right now, and make a plan to improve in the near future if necessary. A loan officer can examine your situation and advise you how to strengthen your credit profile so that it will meet underwriter guidelines. We can get you started with a buyer's agent if you are ready, but even when we are not ready to do something, we can always work at getting ready to ready.
Art White (DRE #01273793)
Sales Manager and Broker Associate
Red Oak Realty... more