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Today I purchase the score watch with myfico.com and pulled a fico score of 648 with equifax, and a transunion score of 672 not sure what experian is BTW. But what I am trying to do is purchase a home within the next 6 months... My debt currently is 24K on a car loan, and 1,600 on a credit card c.l. $2000, I have three other cards but do not use them all have 0 balances.. What are my chances of getting approved for FHA loan?
Thanks for the reply the only reason im waiting for 6 months to get down payment cash needed for FHA loan, I would love to apply and process now but I need the down payment cash first from what I understand...
I do have a 401k plan it only has about $1200 dollars in there so not very much cash at this time for down payment... But will down payment assistance program help with all the up front cash or am I still in need of cash before even applying for a loan? BTW I have no idea how to purchase this condo
I will do thanks and my debt to income ration is only 14% that's with my car and the credit card... But will it be a crazy idea to take out a loan to get the money needed for the down payment for the home, BTW IM sure I can pay it off in 4 months just don't want to be affected by the new changes FHA has coming