I'm a first time home buyer with not so good credit,but my boyfriend credit is perfect ,but he already have a home. Should I add him or not?

Asked by Swetyrosa77, Bronx, NY Wed Jul 3, 2013

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5
Andrew Tisel…, Agent, Clifton, NJ
Thu Jul 4, 2013
There may be some easy ways to improve your credit score. Speak to a mortgage broker instead of a bank. If you decide to purchase with your boyfriend be sure to have an exit agreement or get married 1st.
0 votes
Javier Menes…, Mortgage Broker Or Lender, Melville, NY
Wed Jul 3, 2013
Oh, and stay away from lenders who promise loans with low credit scores. These loans are significantly more expensive because they come with higher rates and limitations such as no seller concessions, no gift funds, etc. never a good idea!

If my response was helpful, consider clicking BEST ANSWER!

Javier Meneses
Senior Loan Officer
NMLS #23130
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
jmeneses@snb.com
(516) 606-9648 Cell
(516) 740-4478 Office
(516) 918-5383 Fax
0 votes
Javier Menes…, Mortgage Broker Or Lender, Melville, NY
Wed Jul 3, 2013
To be honest, the best thing you can do is speak with a Loan Officer and allow them to review your credit, income & assets documentation, not just yours but your boyfriends too. A good Loan Officer would be able to tell you exactly what you can do to improve your credit and walk you through the entire process.

If my response was helpful, consider clicking BEST ANSWER!

Javier Meneses
Senior Loan Officer
NMLS #23130
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
jmeneses@snb.com
(516) 606-9648 Cell
(516) 740-4478 Office
(516) 918-5383 Fax
0 votes
Jim Driscoll, , Lynnfield, MA
Wed Jul 3, 2013
Call me when you get a chance. We have helped many clients in similar situations. My numer is 617-529-9007. See some of our video testimonials below of others that have made the call
0 votes
Steven Luzzi, , Hoboken, NJ
Wed Jul 3, 2013
Hi

what does 'not so good credit' mean? do you know your score? I can go down to a 580 crdit score with certain conditions.
you can reach me at 2018929119 to discuss further.

Thanks
Steve Luzzi
Prospect Mortgage
0 votes
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