Asked by Unspecified, 76137 • Thu Feb 20, 2014
I have a steady FT job where I make $37.5k a year. I have been working furiously to improve my credit. I have paid my one credit card off once & will have this paid off again by the end of March. I will also have a minimum down payment (3.5-5%). My credit score is a 615 through Transunion. When I was denied they told me my score was a 596. I figure that once I pay down my cc to 10% utilization, my score will be somewhere around 640-645. I have outstanding payment history. I always pay on time & always more than the minimum payment. I figured I would need some sort of city or state assistance in purchasing my first home so I went ahead & took the 1st time homebuyer class & got the certificate 2 weeks ago. However, my income is over the limit for Fort Worth DPA. What do I do next? I'm looking to purchase in 4-6 months if possible in the north Fort Worth area.
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