That sub-division is called Cambria Estates. It is a great community and there are some awesome homes available in Cambria. If you would like to look at any homes, please feel free to contact me at 615-315-1425.... more
John is dead on about the collections and closing accounts. The biggest mistake people make when trying to get approved for a mortgage is taking advice from people that do not originate loans for a living.
The first order of business would be to have a licensed loan officer review your credit report and see where you can improve your scores. Sometimes it may be as easy as paying down some credit cards and sometimes it can be more complicated than that to get you where you need to be. The key is to see where you stand and plan accordingly.
Take a minute to read this about credit: http://www.trulia.com/blog/elliott_r_oliva/2011/07/credit_101_a_little_insight_on_how_credit_works... more