Myfico 3B mortgage middle scores, 640, the Wife’s 673
Type: ( 1collection, several charge-offs 0 balances and late payments, 13 inquires in last 2 years
Status: Paid or Current
Most Recent: 10/16
Authorized user accounts (My wife only has one credit card in her name and another where she is an authorize user on my credit card. We have a total of 5 credit cards they we have just paid down to zero except one
Our combined income is $140,000.
Source of income.
Overtime 5,000 averaged over the last 10 years
Bonus 5,000 averaged over the last 3 years.
Monthly debt payments.
Student loans $460 monthly
Credit cards $15 monthly minimum on one card
Auto loan $340 monthly 4 years left
Auto lease $625 monthly 7 months left
Both W-2'd fulltime
Myself at current company for 20 years, my wife at current company for 3 years but in industry for 6 years.
401k both have
A vacant lot that is 2/3 of an acre with utilities in a planned subdivision
45,000 with a plan to build a 245,000 single family home
Check out Chris Hernandez at Community Mortgage. I am local also, in Independence area. There are also FHA one time close construction loans where you can aquire the lot and comstruction loan in one. Only closes once, and is not as strict on your mortgage scores. Also, only needs 3.5% down.