Asked by Kdmcder, Chicago, IL • Tue Aug 6, 2013
About my situatuion; my credit score is 630 and I have a 2 credit card charge off's that will fall off my credit report at the begining of 2016, the only credit card I currently have open is a target card with a $200 limit, I have about 50k in student loans and have not made a late payment on either the loans or the target card in 3 years. I actually pay about $50 extra a month on the student loans. I make around 40-45k per year ( one full time job at 36k and one part-time that yeilds about 5k plus tips) I have 6k saved up for the home buying process, I know not all of that will be downpayment as there will be fee's. Will I be able to get a loan for $150,000 or less?
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