Thanks for your question. You are not alone. Several people I had talked to recently have the same situation. The best thing you can do is talk to your or a loan officer who will tell you the steps to improve your credit. After a few months you can have them check it again to see if it has been raised to the level you need.
There is hope if you follow the steps they tell you. Do not pay for credit repair. It is always better to apply any funds to your debt.
Once you are ready I will be happy to assist you in finding the home you will be happy with.
Good luck to you!
Ines De La Cruz
Please get in touch with me via email or cell/text and we can set up an appointment for you and your wife.
Barbara L Smith
NJ & PA Licensed
Prudential McHugh Realty
I suggest Metro Home Mortgage at https://www.metrohomemtg.com/metro/index.html.
They have new programs for those with credit challenges. A higher down payment may be required but you'll never know until you try!
Anyone that wants a copy, hit me at email@example.com and I will forward it to you.
You should start off by talking with a mortgage company that can address your issues and find a program that you may fit into, to purchase a home.
There are many factors that mortgage companies look at. If you would like some recommendations, send me an email.
Gina Fagnnai/Realtor Associate