We are not looking to apply for about a year maybe less. First time home buyers. Hoping for convential but understand if we have to do FHA. According to the calculators 150k should be about our max.
1.Credit. One student loan with a ton of lates that is a year and a half old but paid off. The other has two charge offs but from about 5 years ago. Ult is perfect no lates in a year and a half. Tu 08 scores are 670 and 682. Will not app for another card till we close on a house so we will have about a year of no apping.
2.Income- about 50k between the both of us.
3.Source of income. Employment- W2 salary
4.Monthly debt payments- Nothing both own cars and have no student loan debt owe no money on credit cards
5.Employment- Both in the banking industry which could help us get a loan. One has been on the job for a year and a half the other for two months. Just changed jobs was a retail manager for 6 years before that
6.Assets/Reserves. 15k for a down payment
7.Location. Middlesex county Connecticut
8.Property. Is it a single family house
9.Value- 150k
10.Occupancy. Primary residence
12.Transaction Type- Purchase
AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000
Last app July 22nd 2015- No apps for two years.
