Asked by Robberroo, 06517 • Thu Sep 2, 2010
Hi. We are looking to buy our first home, and were told we need a pre-qualification letter. My husband's income is 56K. We have no outstanding debts, and very good credit scores. We are looking at a house that's 285K and would be open to a delayed closing in January -- we will be putting down about 60K. Right now, we have 20K for the downpayment; the rest will be a gift from in-laws after the new year. Does this scenario sound doable, mortgage-wise? And will we be able to get a pre-qualification letter if we don't technically have all the downpayment money yet?
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