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Do I qualify for sub 4% APR mortgage?

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Anonymous
Not applicable

Do I qualify for sub 4% APR mortgage?

Just wondering what rate / packages I can reasonably qualify for…hoping to get PITI below $1,300/mo with 5% down on $237,500 purchase price and $5,000 seller credit.

 

1. Credit - USAA CreditCheck Numbers: EX 761, EQ 739, TU 652. MyFICO EQ 700 (should bump up soon), CreditKarma says 733. No judgements, collections, liens, etc. Waiting on accounts for which I am an AU to fall off. The EX 761 number is after two high until AUs fell off yesterday.

 

2. Income - 72,000/yr salary.

 

3. Source of income is full time employment. 

 

4. Monthly debt payments: Car note for $230/mo. No student loans. Zero balance on cards in my name. 

 

5. Employment - 10.5 years on current job. 20+ years in the industry.

 

6. Assets - $27,000 in money market account. About $40,000 in retirement account.

 

7. Location - Lee County, AL

 

8. Property - single family detached home that is currently occupied

 

9. Value - under contract for $237,500 with $5,000 seller closing credit

 

10. Occupancy - primary residence

 

11. Transaction type - purchase.

 

Thanks!

HHB

 

 

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