Asked by Amie Hansen Bresnahan, Hillside, IL • Fri Mar 22, 2013
Need advice on a mortgage for my husband and I. I have a Fico score of 560 with an annual income of 69K at a job of 16 years, one recent (2010) short sale plus multiple old negative marks on my report. My husband has a 590 score that has been rising steadily over the last few months due to auto-payments we put into place for some of his recent items. He does not have a lot of negatives. He has been at his job 6 months and earns mostly tips, but that does provide a steady good income. Where can we find a broker to help us figure out how to find a lender and/or help repair credit? And should we apply jointly or have my husband apply on his own? Only looking for up to 150K with 5% down.
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