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1) Check you Fico score here and see what it is.
2) Talk to a broker. It's possible you could use "alternative trade lines" assuming you've alwaya paid rent, utlities, cell phone, etc one time
FHA usually requires 3 tradelines, be it credit card, student loans, car payments, etc.
@rootpooty wrote:
Tu 686 eq 677 prob will be borderline 700 I let a larger balance report this month so I know next month I could be borderline 700. When you say 3 trade lines I have 3 CC reporting. Is that enough or do I need a personal loan and car loan. I plan to app around this time next year so ill be hanging around here trying to learn as much as possible on what to do until then
Once the CC's hit 12 months you should be fine for TL history. You need 3 tradelines with 12 months of history for the vast maority of lenders and mortgage programs. $35k is going to be a bit harder to get a mortgage for, most don't like to go below $50k.