- Credit. Pulled today from myfico. TU 693 EQ 667 EX unknown (but I believe EX is my lowest score). My last delinquency was Jan 2011 and I have a 19k charge off from 2006 that is scheduled to be removed in 2013 (the charge off is past SOL)
- Income. 28,275/yr also, my infant son is disabled and receives $570 a month from SSI (not sure if this can be factored in)
- Source of income. 28275 from W2 employment, been with company since 4/2010; $570 from SSI for my son.
- Monthly debt payments. these are the minimum payments-$462.70 car payment, $70 BoA cc, $25 store credit card, I also have a student loan that is $103 but is currently in deferement bc I am in school.
- Employment (for those who are employed). Full time, W-2 been on this job since 4/2010, the job before that I was there for 5yrs
- Assets/Reserves. I can withdraw about $1k from my 401k for downpayment, I have $3k saved for downpayment, and I qualify and intend to apply for a downpayment assistance program that offers 19k.
- Location. Houston, TX
- Property. single family house
- Value. 95k Max
- Occupancy. Primary residence
- Transaction Type. purchase
what are the odds of me qualifying if I intend to purchase within the next 6 months? Thanks for any and all help... my son needs a backyard to play in! 
