@Anonymous wrote:Currenty I am working with lexington law to repair my credit and I have a few accounts in dispute right now. I have to get the disputes removed and that may affect my credit score.
Lexington Law doesn't do anything that you can't do for yourself.
You can dispute things on your credit report which is all they do... Hopefully you aren't paying them any more than 3 or 4 cents a month that you'll find in the cushions of your couch or in the bottom of the washing machine.
Anything more than that and you are getting ripped off.
^^^^+++++ Lexington Law will suck you dry ...think about it, the longer it takes to clear all your negatives, the longer they get to tap your bank account ...then look at what they actually do after the first flurry of activity ...it becomes a waiting game on a slow boat to nowhere ...except the vacuum cleaner attached to your wallet.
...as for USDA, find a mortgage broker or lender who has experience bundling them ...a good realtor in your area should know at least a couple since WV is prime USDA territory ...just because USDA covers your dp doesn't mean you won't have closing costs ...your best bet is a contract which has the seller paying 6% of the contract price toward buyer closing costs ...any competent realtor will know how to write that contract ...and if they are good, will have a clue about which buyers are motivated to accept
...once you have a realtor and lender in your corner, its just a matter of patience, persistence, and discipline ...within the pre-approval number the lender gives you ...decide how much you can COMFORTABLY afford toward the monthly PITI+MI ...plug those numbers into the on-line calcs to get a max mortgage amount and STICK TO IT ...both the lender and realtor will, intentionally or not, try to get you to spend more ...don't do it ...have the patience to wait for the right property for your situation, not Camelot ...hth
