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So long story short, Ch7 BK discharged in April 2008, credit scores started out in the mid 400's.
Fast forward to today and I'm sitting at:
EQ: 652
EX: 676
TU: 682
All this with just 2 CC's from First Premier ($975 total CL). Although I hate the random fees here and there and the monthly charges, if it hadn't been for these POS cards I wouldn't be where I am now.
Thurs: Pre-qual done, could have gone to $150k but capped it at $100k to fit into my budget.
Fri: Met with realtor and signed realtor's agreement
Sat: Looked at 9 homes made offer on "the one"
Sun: Offer countered by seller, recountered by me
Mon: Seller agreed to counter offer and we're under contract!!
So as it stands now, I've already got all my loan docs to the LO, appraisal and inspection scheduled and we're set for an April 20th close to allow the underwriter enough time for paperwork since my 2 yrs seasoning is up April 1st. I'm going FHA with 3.5% down, seller pays 4.5% in costs and received a 5% interest rate with only $300 in fees and closing costs with an 1/8% credit (I'm a bank employee).
Can't say thanks enough to all the help and advise received from everyone here!! If I can do it so can you!
CONGRATS! That's always good to hear. In just a couple of months, I'm hoping that I can say the same.
I'm with you guys....it's been a hard fought battle, but I'm ALMOST there! Congratulations to you!!!!!!