Asked by ALEXANDRIA, 93662 • Sun Feb 1, 2009
Hello, I'm in a situation that has me kinda worried. I'm a first time buyer and really want to buy a house!My husbands fico is 608 and to get preapprove for the max of 190,000 he has to pay 2 credit cards off to qualify for usda loan. I'm really looking for a loan around 230,000 so thats why i want to work on my credit score.My fico is 598. I have about 5 credit cards and the total less the 3,000.00 and I'm going to pay them off this month and just stay stuck with about 4 medical collection all less then 4,000. I'm worried i'm not sure if houses in the fresno,ca area will rise within 5-7 months from now?And if there will still be more houses going up for foreclosure and if there will be good programs for first time buyers?What advice would you give me?Look into 3 months with just my husbands loan and see what i find?Or work with my credit to see if she could give us a higher loan?If your a mortgage lender who could help me in the fresno area or a realtor to give me advice please email
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