Yes, it should be possible for you and your wife to buy a house. There are simple and inexpensive ways to raise your credit scores, without doing questionable tactics or paying somebody else.
I am not a credit repair specialist nor do I charge for my suggestions. I am a loan officer in CA.
Go to your local Credit Union (most banks no longer offer these services). Get a "share secured loan" for $300 or whatever their minimum is, the banker you see will explain, then turn around and use the same funds to open a prepaid Credit Card.
I see clients scores increase by their own actions.
Have a Direct Lender, somebody who loans their own money, pull your credit 2 months later.
Is the nc sp also a Realtor? If she is, you could seek help from the C.A.R. Consumer and Realtor Ombudsman Hotline by calling (213) 739-7227 or emailing the Ombudsman Hotline at firstname.lastname@example.org.
If the nc sp is a Realtor, then she should have asked if you are a party to any exclusive representation agreement, and stopped when you said you were. She and her broker could be disciplined and possibly have to pay commission to your original broker and agent.
It would be inappropriate for a broker to record a lien against a buyer who may owe a commission due to a buyer-broker agreement because the claim against the buyer is for money. But, your original broker could demand that you pay the commission and take legal action against you. If I were your broker, I would get the commission from the nc agent/broker, not from you.
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
Best of luck to you!... more
Heather: The question is why are those scores so low?
Do you have your credit cards at their limit? Bringing those down can surely help your credit scores.
If the credit scores are low due to non payment, late payments, collections, charge offs that would be more difficult to fix.... more
It will depend on what the error was and how it is against. I can recommend someone to assit you in clearing off the errow off the report if there is a need to help raise your scores. I would be delighted to provide you with some mortgage options, (this does not require us pulling your credit) that will allow you to make the best decision for your family. I can be contacted via my profile information for a no obligation consultation. My Office hours are 08:00 AM-08:00 PM Mon-Fri and Fri and Sat 08:00 AM-06:00 PM CST.
Capital One Bank
Phone (469) 315-1709... more
I don't think Trulia has such ability. My suggestion would be to work with a local Realtor and she/he will set you up with an up to date search. If you need recommendation for a Realtor in your area please contact me and I will connect you.... more
The easiest way to see difference between modular and a double wide is to get in the basement / crawl space. Large steel beams denote a double wide. They both go together in pieces but construction is different and the title is also different.... more