I commend you fro reaching out to the Trulia community where I am confident you will continuew to get GREAT feedback and I congratulate you on your recnt marriage. :) For starters, I highly recommend you contact a mortgage professional and I like to refer " Cindy Hall" who is a LOCAL mortgage consultant. Cindy is simply awesome and has been in the business for countless years. She is the only broker I know that actually attends the actual closing with her customers ( I do too) just in case something goes wrong at the closing table so she is there to intervene and facilitate swift resolution. She is superb in customer service, welcomes weekend and after hours calls and is GREAT with banking & client relations in the industry which enables her to be very competitive with rates and fees. Many of my firat time home buyers & finance clients utilize her services b/c of her years of experience, knowledge and expertise and they always provide good feedback regarding her competitive rates and superior customer service. Cindy can discuss your personal situation and prequalification guidlelines at no obligation. She wil review "the do's and the don'ts" and the basic ABC's of getting you prepared for your goals. In addition, she can discuss First Time Home buying programs, USDA 100% finance options, as well as FHA guidelines which requires a 3.5% down payment of the purchase price. I would suggest you call Cindy as soon as possible so you can get started on your endeavor and I assure you she will offer sound advice and good tips to get your credit where it needs to be in order to buy your first house together as a "married" couple.
Commercial & Residential Loan Consultant
Mortgage Solutions of Central Florida, Inc.
6200 Metrowest Blvd, Suite 203
Orlando, FL 32835
407-294-4707 | 800-482-4707 (office)
Also, take a look at this 40 page informative link that will undoubtedly provide you good resouces and is easy reading that should help your pursuit.
When your in the position to purchase, please keep my contact information and give me a call. . I would welcome the opportunity to assist you and your wife with becoming happy homeowners. BTW, are you confident that your credit is "not that good"??? Sometimes buyers are surprised to learn that they are in fact "well qualified", especially when they have two incomes to consider. Call Cindy and she will verify either way. If you have ANY additional questions, please do not hesitate to contact me directly. I would be happy to help all I can. :)
GOOD LUCK!!!! HAVE A GREAT DAY!!!!!
Thank you kindly,
Kim Setzer, REALTORÂ®
CENTURY 21 ELITE HOME FINDERS
May you always have love to share, health to spare & friends that care.
YOUR REFERRALS ARE GREATLY APPRECIATED & THE BEST COMPLIMENT!