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Hi Everyone,
I'm looking to buy my first home soon. I'm a recent college graduate and have been working in my field for 6 months now.
My credit score thanks to you guys has risen to 725.
I have about 3 months of mortgage payments put away as a reserve.
The IHDA program is giving downpayment assistance of 7500 plus about 3k that I have saved, so my downpayment would be about 10K.
Income: 45k per year.
Monthly debts are: $349 lease, $290 student loan, and $292 car note (This is being paid by my brother, he didn't have credit and I offered to be a co-signer, well turns out im the primary borrower and its now on my record.)(but good news he now has credit can it be refinance by him to lower my DTI?)
My state is Illinois
Property type: single family
Primary Residence
Transaction Type: Purchase
Is it feasible to be approved for a 125-225k loan?
Thanks in advance.