We are realistically 6-9 months out from a purchase-- (tax issues need to be taken care of before we even consider). When should we have a broker look at our credit and start making strategic credit moves. We have been working on clean-up for a year, but I don't want to clean up the wrong stuff! Do mortgage lenders have a "memory?" As in, if a lender gets our credit now, will they question the improvement in 6 months? Will they question where a lien or collection went and want to know how it was paid, even if it isn't there any more? And how does one evaluate a broker? I'm in OC, California....mortage brokers are more plentiful than Starbucks!
