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@Anonymous wrote:I appreciate all the advice given and now have my own situation to offer up.Looking at buying home in February as lease ends on the last day of month. I would prefer to just go to BOA and keep things simple (30yr fixed) but will obviously shop. Here is the raw data. You tell me the options that I will have.Income - me - 95Ksalary, 10K bonus, wife - 50k salaryDebt - 0 recurring, 8 payments left on auto at 500per. 1500 in student loans. (both in my name only)Retirement Balance - me -20k, wife - 60k. ( I am now maxing out 401k so my take home is much lower than could be)FICO - me - 688,667,662, wife - 656,628,649 . these are today and will only go up as we near year end.no collections, just some lates over 1 year old.Downpayment - 15KLooking at 300-325K home in Overland Park, Kansas.Thanks
Try sending some gw letters on the lates. All it would cost is the price of a stamp but if they honor them your scores will get better and will save you thousands once you get your mortgage
texhawk wrote:I appreciate all the advice given and now have my own situation to offer up.Looking at buying home in February as lease ends on the last day of month. I would prefer to just go to BOA and keep things simple (30yr fixed) but will obviously shop. Here is the raw data. You tell me the options that I will have.Income - me - 95Ksalary, 10K bonus, wife - 50k salaryDebt - 0 recurring, 8 payments left on auto at 500per. 1500 in student loans. (both in my name only)Retirement Balance - me -20k, wife - 60k. ( I am now maxing out 401k so my take home is much lower than could be)FICO - me - 688,667,662, wife - 656,628,649 . these are today and will only go up as we near year end.no collections, just some lates over 1 year old.Downpayment - 15KLooking at 300-325K home in Overland Park, Kansas.Thanks