Asked by Daneele Hinds, 30092 • Tue Oct 7, 2008
I am interested in purchasing a home in November-January but I need a good lender who will work with me. I, like any first-timer, did not think that I could afford to own but I have been advised to try. My credit is low due to a few late payments occurring in prior years while I was a student. I am now a year and a half into my career, and have been able to make on-time payments. Currently, my only problem is that I am at least at 90% util. on my three credit cards. I have the money to pay them (at least two off and one down to less than 50%) off but have been advised to save that amount ($2,000-$2,500) for a down payment. Unfortunately, the most I can promise for a down payment is $3,000-$3,500. I am realistic, and I am only looking to get approved for $80K. Is this possible? If so, are there any great lenders you know of?
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