i dont know anything about taxes/insurance there.... so i cannot comment on det ratios.
but when the lates are 1yr old, you will be fine.
i would wnt a good letter explaining(loe) the past derogatories.
letter format:
1. what happened?
2. how did you deal with it?
3. what steps have you taken to assure it doesnt happen again.
the loe will want to match the credit report.
* While I try to visit the forum often, please feel free to contact me directly with a link to your post if I fail to answer a follow up question.
* Lending across the entire 'Great State of Texas' since 2004
