Congratulations! I am very happy for you.
I am in a similar situation..long story short, I settled about $80K in bad debt, including two paid repossessions. I have a dismissed BK which is 1 year old on Saturday. I have spent countless hours reading and working on my credit for the past six months. I have, 706, 641, and 594. With the 641, I am scheduled to close a new construction build by 12/28 with Academy Mortgage. My loan officer has been terrific...I am hoping I can close before Christmas.
I will keep you all posted. SCMAMI, again, congratulations!
Congratulations!!! This is very inspiring......my husband and I going through this process now and just had to switch lenders because our first broker had no clue what he was doing. Now we are working with someone who took a look at our not so great credit situation and decided to push to get the deal done. We have a few paid charge offs and one paid judgement fron 08. My husband does have an unpaid chargeoff for $4k (for his exwife's car that she never paid off after the divorce). Our broker said that it may be an issue but he submitted his divorce decree and we are hoping that he doesn't have to pay it. We are hoping things will get done and quickly because we are already under contract.
All smiles, Congratulation and welcome to homeownership.
Sending congratulations your way. That's great. I can only imagine how you're going to feel spending your first Christmas in your new home. I hope to be closing in January. Thanks so much for sharing your story!