@Anonymous wrote:
I will say also, I know I won't be at the top and get the best rates unless I stay at my parents for another 3 years or so and I don't wanna do that but also I don't wanna just get by and be approved but for the worst bottom rates either. Middle of the pack would be ok.
And about my car I'd rather pay it off and do a SSL instead of keeping my car payments going longer to have that open installment account. I wanna get rid of the car payment so I can put my money into savings. Can you get a SSL for 200.00 or is there a minimum like 500?
My goal is of course to have good scores but to come to the table with at least 10% down on a home and zero debt. So my DTI will be really low. That part I can do, it's just getting the scores up in time is the possible issue.
The lowest reliable SSL I know of is the $500 SSL with Alliant. Remember that you will get almost all of that $500 back within three weeks.
As I said in the post I just made, would you be willing to work with us at timing your loan payoff and then the subsequent SSL so that it yields relaiable test data? If so, you and I can work on that off-thread through private messages.
