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Hi,
We're getting our ducks in order to purchase our first home. We are only using my husband since I'm self employed. Here are his stats:
Savings for down: $35K
Annual gross: $100,700
Mid Fico - 675
Years at current job: 7+
Car payment: $557
Credit card debt: paid off monthly
We're in San Diego and regular 1500-2000 sqft, 4bdrm/2bath homes are going for $400K - 500K range. Can anyone tell me what the FHA limits are and if there is anything we can do to stretch those more?
Looks like their website says $697,500 for a single family in San Diego, you should be fine there
http://www.fhaloan.com/lending_limits_state.cfm?state=CALIFORNIA
HI,
I closed on my house yesterday! My DTI was 44% on a 230k FHA backed loan. I live in the Portland area where housing prices average for around 300k. We(I) was approved using just my credit and income due to my wifes low credit scores. My income is around 65k 20 years on the job and nearly no credit card debt, two car payments....one for 337/month and the other for 370/month.
My mid fico score was 646