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Does anyone know of a private lender in NJ that doesn't lend based on FICO. We can document income and debt to income ratio is low. Perfect payments for rent over past 2 years which also can be documented. Worked in same field for 20 years and at same employer for 7. The only thing hurting us is the FICO score. We are trying to buy the house we are renting. We have over a year before enough bad credit is going to fall off to increase our score enough for a conventional mortgage. The house we are buying has an appraised value of 270 and we are purchasing the house for 235.
Private Investors are out there. You will pay higher rates they approve you.
You could look into NACA, which I believe is available in NJ. Just not sure what the purchase limits are for NACA.