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FTB - Mortgage Approval - looking to buy in the next 3-6 months

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Anonymous
Not applicable

FTB - Mortgage Approval - looking to buy in the next 3-6 months

Mortgage Credit Scores:  
    • EX 657 EQ 654 TU 672

2. Credit Negatives: If you have any, what negatives are on your credit reports. For each negative, please provide:
    • student loans (6 TLs), numerous lates, last time late 2012, now 0 balance
    • 1 medical collection, $932, disputing, from 2014. insurance didn't pay (deductible not met), hospital has refused to give me an itemized statement of services to account for the all the charges. 
3. Gross Income127,000/year
 
4. Source of income.  salary
 
5. Monthly debt payments
    • car payment 454
    • student loan 178
6. Employment 12 years, senior software engineer
 
7. Assets/Reserves
 
I don't have any savings and I drained my 401k moving back to the area in September. However, because my debts are low and my income is high, I can save a significant chunk soon and quickly.
 
Homes I'm looking at are in the 200-300k range in the state of Missouri.
2 REPLIES 2
DallasLoanGuy
Super Contributor

Re: FTB - Mortgage Approval - looking to buy in the next 3-6 months

you look good to me.

 

if it gives you enough points when the med collection is removed... you should consider conventional with fha as a back up

 

 

Retired Lender
Message 2 of 3
Anonymous
Not applicable

Re: FTB - Mortgage Approval - looking to buy in the next 3-6 months


@DallasLoanGuy wrote:

you look good to me.

 

if it gives you enough points when the med collection is removed... you should consider conventional with fha as a back up

 

 


Awesome, I'll put in my application with the LO. 

 

Thanks!

Message 3 of 3
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