Can I qualify for a home loan

[Anonymous]

Hello every one I would like to know can I qualify for a house and how much house can I afford.  Thanks in advance for any help.

Credit experian 644    equifax 670    tr 693

 I have 3 unpaid medical bills for 384, 44, these are from 2011 and a medical bill for 75.00 only on Experian that will fall off in April of this year

I have one credit card with NFCU with a 1000 limit with utilization of 1%

I have one car loan with a balance of 2700 it was only for 3000 so it is a new loan

I have a paid verizon collection for 48.00 that was paid off in 2011

and 3 personal loans that was paid as agreed

Income 3600 monthly

Monthly debt payments 100.00 car loan

Employment at current job since 2011 in the same career for 15 yrs

I live in VA and I am a first time home buyer

[ShanetheMortgageMan]

If you opt for FHA financing (3.5% down payment), your max would be around $200k, assuming $3k/year in property taxes, $900/year in homeowners insurance ... payment would be around $1,500/mo.

The credit history is fine since all of the negative items are from 3+ years ago, where did you get your credit scores from though?  Here at myFICO.com?  If so, your scores should be fine.

Virginia has a statewide down payment assistance program too - http://www.dhcd.virginia.gov/index.php/housing-programs-and-assistance/68-down-payment-assistance-dp...

[Anonymous]

I I just pulled my score from MY FICO today.  I couldn't get pre approved before because I told the loan officer that I paid the collections.  He told me to call back after they updated.  Its been a month in a half and Experian and Equifax have verified it as still unpaid.  I guess because it was paid to the OC.  So I want to see can I get preapproved  now.

[ShanetheMortgageMan]

Even if the collections weren't paid it wouldn't be an issue, in my opinion nothing about your situation that you've mentioned will prevent you from getting qualified.