Greetings -
I'd like to purchase a home in the next 2-3 months after I move - returning to a previous employer - 2 years with this one, 9 years with the one I'm returning to, 16+ years in the same line of work.
Only active TL I have is a auto loan of $510, paid religiously for almost 2 years.
Income will be a base of 69K, plus at least 15K in on-call pay, plus overtime.
Pulled my 3 scores, and I know I've had some problems in the past - 601 EQ, 644TU, 658EX. Since then I've paid in full 4 collection accounts, and got PFD agreements for 3 of them. None were for huge amounts - the highest was a $204 medical bill that had never been submitted to insurance by the provider. All 3 PFD accounts promised to report to all 3, and I have written confirmation on the way.
What could I realistically expect in terms of an improvement in scores once the bureaus update? I've got a lender spamming me with "apply and lock" offers, but I don't want any hard pulls until everything updates.
Thanks in advance for any advice.