Asked by Pepperderr, Milton, PA • Fri Jan 13, 2012
I would rather not make any offers on the house we are interested in until March. March 1st a bankruptcy comes off our credit report and we will also have all our credit cards paid off and hopefully a downpayment (we want to go with a VA loan so a downpayment is not necessarily needed). The house has been on the market 71 days now. Is there an average time hourse are usually on the market? So far there are really no other houses we are interested in incase this one sells before we are ready.
If we get pre-approval, will that mean they will be checking the credit reports? I know if too many inquiries are made it can lower your score. What happens if we get pre-approved now and then decide not to buy for 5 months? Should we just wait till March to even get pre-approved? Does that mean we find a bank that does VA loans and if they pre-approve us we will most likey get the loan?
Where is a good place to get info since we are first time buyer?
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