- Credit. Equiafax: 627 Transunion: 632
- Income. I'm currently salaried at 52k a year and I'll get anywhere from 15-25k a year in bonuses. I've been employed at this company for a year. I also still have my part-time job until I finish my last year of school. I'm currently making around 8-12k a year. My employment there is about two years.
- Monthly debt payments. None
- Location. Northern California. Single family, looking to spend at most 180k.
I'm currently living at home finishing my last year of school. I currently have save around 20k to put down, and 15k in reserves. (I will continue to save everything until I get a home) The only thing holding me back right now is my credit. I have 1 account with negatives, 3 30 day lates and a reinstated repo all from 2009. I had a rough year, but have been on time with everything since. I will continue sending them good will letters but so far they have stood their ground. I just received a 1k increase on CC and my BoA secured will graduate in a month.
What are some good mortgage companies that will work with me right now?