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Ready to apply- please advise me!

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ShanetheMortgageMan
Super Contributor

Re: Ready to apply- please advise me!

Nice going.

Free Mortgage Advice & Pre-Approvals (FHA, VA, USDA, Fannie, Freddie, Non-Prime, Construction, Renovation/Rehab, Commercial) since 2002
Located in Southern California and lending in all 50 states
Message 11 of 12
Poquelin
Contributor

Re: Ready to apply- please advise me!

Just closed on my new house yesterday!!!!!

 

the whole process took 90 days. The first 45 days just to get an offer acceptedl. Then it took 45 days more days for Wells Fargo to come through even though they had pre-qualified me for $300,000. Still took that longz But in the end I got a 30 yr fixed FHA loan ( I've been out of chapter 7 bankruptcy for 26 months) at 4.25%. 

 

I am very happy. Just about 2 years ago I came out of bankruptcy and didn't think I could own a house until many years down the road. About a year ago I joined this forum and started learning about how credit works. Thank you to all you help me by answering my questions. You all made a big difference!

Starting Score: 638

Current score:
Equifax 680
Trans Union 718
Experian 714

Target Score: 725 Across the Board
Message 12 of 12
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