10-18-2013 08:25 AM
My wife and I are looking to sell our home and have our next home picked out, and we do not plan on moving again. Both of our credit scores were in the 640's but mine recently went down due to medical billing that we had issues with so mine is in the 620's. We are looking for an FHA mortgage, have the 3.5% down, and a debt/income ratio from 43% to 47%. It would be 43% if we could use her income from a part time job. It was her full time job for the last 18months but now she found a full time job, but still doing her previous job, part time. I know some lenders require to be in a job for 24 months to count the part time income; I know others are flexible. Please let me know if anyone can help. Normally I would wait to fix my credit and pay off bills but the house we want came up and we dont want to wait for our dream home. We can repair credit once we are in and refinance later down the road...thanks.
10-18-2013 09:39 AM - edited 10-22-2013 10:40 PM
is her new job 40hrs?
if so, then now she is working more than 40hrs.... we need two yrs of that to show that she can sustain that work regimine
oh, be careful of credit repair companies.... especially those that come in to discussion forums like this and troll for business.
no REPUTABLE credit repair person would do that
10-22-2013 01:30 PM
oh, look, a troll
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