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So ive worked VERY hard to come from a 490 to a 620 and finally the time is here!!
BUT..... sadly in the process ive gotten a new car a personal loan and opened up some credit cards. Cards are all paid zero balances, however with the car debt and personal loan debt I am not qualifying alone on my mortage DTI wise :-( My spouse is shortly behind me however has a tax lien to clear up so he cant be on the loan, but with half of his income included in my profile we would be PERFECT !!! Anyone have any ideas anbout this? I hate to let the dream house fall in the cracks beacuse of DTI and his inability to be on the loan.. ALSO with FHA do you know rules on owing IRS? if you are in an arrangement and there is no liens your ok, right ? The guidelines are so confusing !!!!!!
From my understand Tax Liens are public records. If it is not on your credit report as a public record, then I think you should be fine.