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My score right now is a 617
Income 86k
12k in my 401
Need to pay down on my credit card limit is 2250..balance is 1880
I have a few collections(medical) from years ago
Should I contact the builder or go through my credit union
My car is financed through my CU pay 291.00
Any other info needed let me know
Wishing I could bring my score up to 650 by June
Thanks for your help
Do you have money saved for a downpayment and closing costs? Are you going FHA or Conventional? What price range are you looking at?
If you provide a little more info, the board may be able to provide more options.
6k down
FHA
under 160k.. the model that I like is right at 157k
@nate79416 wrote:6k down
FHA
under 160k.. the model that I like is right at 157k
Go request a prequal from the builder. Depending on the size of the builder, most larger builders will require that you be prequalled by them in order to sign a purchase agreement. if you are prequalled by the builder, then go forward with your purchase plans. Chances are that the builder will provide a significant incentive to use its inhouse lender.
Thank you!