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What are lenders looking for as far as reserves,credit TLs,ect?
Do we "need" credit cards or are installments enough?Do we need open TL or will having no debt be fine?
If we do "need" cc's how many and for how long?
What is the magic # to breeze through with little road blocks?
What about pmt shock?I pay very little to rent(lot rent) since we own the mobile home we live in (cash purchase)
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regular paycheck income
looking at usda gua. loan or FHA
only debt is a car pmt. have 24 months left on it
have been in same line of work 20 yrs
have lived at same address for 7 yrs
Great info Shane! I will be pretty close to the 12 months clean in November, with everything else in order (scores, etc.) However I would like to try start and maybe complete the process before the tax credit deadline? Do you think I would be okay trying it a month or so early?
Yeah quite a few, I have working pretty hard the last year staying current, cleaning up the report etc, and have gotten score up from the mid 400's to 620 mid. But 13-24 dont look that great. I also 1.5 years of clean rental history but here is the darker side: 30 days: 6 60 days: 1 90 days: 6 120 days: 9.