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Yay! Finally got my EQ to 659, just got SW alert. My EX (from Amex) was at 655 and that was with 56% utl and now is at 26% utl and I will be at 9% the end of this month. I am so glad to get 2 scores past 640 cause that means I can get qualified for FHA loan. I have one collection reporting in TU and EQ only and hopefully they OK my pfd soon so I can get them off. Now my question lease ends in July how soon should I start on preapproval? I like to get my hands on short sale or foreclosure house's and I heard they take a while to close. Any suggestion?
I would get your pre-approval now, start looking for something for a May or June closing.
@MovingForward_2012 wrote:
Congrats OP!!!! Way to go! That is absolutely fantastic! Now you even have some cushion above 640 for the final check before closing and you have more cushion on the way.
Get preapproval today. Short Sales can take up to a year but typically 3-6 months. And foreclosures I think are processed a little quicker. So start today if you plan to move in July!
Thank you for the encouragement
Hoping to be at least 670 all across by the end of Feb.