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Hello,
First I want to start off by saying, thanks to everyone who responded to my last question. Many of the issues are resolved, but I want to get a little more advice. As you recall I had massive fraudulent activity on my credit, that consisted of 12 fraudulent mortgages that went into foreclosure in Detroit (never even lived in MI). My credit score has recovered and I now have all the foreclosures off of my, but there is still one showing on my EX and TU, but it only showing a 30 day late payment 3 years ago. My DTI is around 15% right now and my income is about $115k per year with my fiancee's at about 45k per year. All of her scores are right at 700, with her high at 721. My new scores are EQ 641, TU 646, and EX Plus Score of 642. Eventhough, I still have a few blemishes on my file including a charge off from Univ. of PHX that has been paid off, what do you think my chances are of being approved? Thanks.
not enough info really.....
but i dont see anything holding you back from getting an fha loan
you need to apply.
we arent looking at your credit rport or job history, ect.
i think you look fine.
Hopefully, this is more information that can help anyone with any advice. Thanks.
Your income, debt, and employment looks pretty good. I don't know about that the fraud activity, you'll probably have to deal with that on an individual basis with your lender.
If she's self-employed they need certain proofs but i don't know much about that. I'd just call a lender and tell them your story, see what they say
you will need to provide 2yrs tax returns when you apply.... commission and self employed people tend to write off a lot and that reduces income.