Loan Amount: $100,000.00
Down Payment: $0.00
Finance Type: Purchase
Loan Program: Conf Fixed House America
Interest Rate/A.P.R: 6.875%/7.536%# (as of 01/05/2008 Subject to change)
Points: 0.625%
Term: 360
Property Type: SFR
Given this credit situation...
Credit Scores: TU - 630, EQ - 642, EX - 630
Income: $58,000/year (before taxes, insurance, & 401K) ~ $2,900 take-home / month
Current Debt: Car Payment - $457/month, Student Loans - $120/month
Revolving: I have one credit card with a $300 limit, $0 current balance
Dings on my Credit Report:
- 2 collections that have since been paid, mos recent one paid in Oct
- Some late payments in the past, but all payments have been on-time in the last 24 months
- in the past, I have let credit cards go a while without paying them, thus how I got the collections
Summary:
Total past due 0, Late payments No, accounts past due 6 Years 0, Total balance of Your revolving accounts $0, Your mortgages None, Your installment loans $43,099, Total number of Accounts 14, Accounts with balances 3, Accounts opened in past year 1, Recent inquiries 4, Collections 2, Public Records 0