Asked by Kmt2258, 22191 • Sat Nov 16, 2013
just paid off a repo from 2010 in which I was a cosigner so this should boost my score 25 points and I have paid down 3 credit cards (not large balances) to about $50. By doing this I should be at about a 631. I also had only two collections on my report which I paid them both and they sent me a letter stating they were going to remove the collection! Well as you know cash is getting short at this point and I really want this particular house. Is there any down payment assistance out there? I'm not sure that I would qualify for a VHDA because of the repo and I had a few 90 day lates back from 08-10, from student loans. My DTI is 46%. Can anyone please help?? I am set to close on this house 5 days before Christmas!
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