If you feel the amount paid will impact your score, then yes, wait.
Give it 30 days from the statement "closing" date (10 days after the due date of the bill) which is a total of 40 days from the due date.
The market is amazing, the prices are still low and interest rates are at a record low. I'd love to talk to you and help you along this process. I am a full-time Realtor who services the Columbus, OH and surrounding area's. Please, call me at 614-580-8090 and let's talk. I am sure there is something I can find that would make you VERY happy! ~Teresa Isner, Coldwell Banker King Thompson.... more
There are MANY awesome and creative financing options out there right now. I work with 1st time buyers and have a great mortgagor that I use daily, she is amazing at helping. Call me and I will give you her information. 614-580-8090. I'd love to help you.... more
In my shop the minimum waiting period where there was a foreclosure is 3 years from the date the property transferred, if you are trying to go FHA. But it isnâ€™t really as simple as that, it also requires re-establishing credit, meeting the minimum FHA scorecard, getting an approval from AUS, etc. It is a lot more complicated than anyone in my business makes it sound. Loan officers are sales people, we try to encourage. Just hook up with a Realtor you trust and them have them introduce you to the lender they trust the most and ask the LO for guidance. Working as a team will get you there ASAP. Good luck,... more