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I'm looking to buy a home this year. Can I get approved?

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breakdown1987
Valued Member

I'm looking to buy a home this year. Can I get approved?

  1. Credit. Equiafax: 627 Transunion: 632
  2. 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.
  3. Monthly debt payments. None
  4. 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?

 

 

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