YES!!!!

[Anonymous]

We have finally closed on our home!!!!!!!

Praise God!  After about a year of repairing our credit and learning as much as possible from this and other websites along with a 4 month long short sale process we are now exceedingly joyous homeowners   We closed 06/01/2012 ...this past Friday.

Thank you to all that have had encouraging words along the way.  

We purchased our home using the USDA Rural Guaranteed Loan with a mid score of just 620 and have an interest rate of 4.25%.  No down payment (of course and we paid just $277.45 in closing cost. We were able to get the sellers to pay the rest of the closing cost which included a 1 year home warranty. 

5br/2bath in a great neighborhood

[Anonymous]

Congrats!!!!!! Hoping t join your ranks in about 45-60 days

[Anonymous]

You can do it : )  We started out in the very low 500's and then went up to a midscore of 649 before it dropped to 620.  I just praise God that though he allowed our score to drop in the process of applying he still made sure we got the minimum score which was 620.

All we did to raise our score was add three credit cards (two Capital One's and an Orchard Bank card) and I was able to get one of my unpaid charge off accounts deleted (Chase).  We did end up paying our other charge off accounts before closing on the house.  If we would of had a score of 640 our lender would not have required us to pay the charge offs which is crazy.

[Anonymous]

Congrats!!!

[UpmyscoreinFL]

Congrats!! Who was your lender?

[Anonymous]

Congrats!!! So super happy for you!!! And such a beautiful home!!!! LOVE it!!! Enjoy!!!!

[Ugghh]

Congrats Blessed!  Enjoy your new house....

ps...  thanks for the help with chase!

[Anonymous]

Praise the Lord! Congrats , May God Bless You in Your Awesome Home!!!

[drkaje]

Congrats!!

[Anonymous]

http://http://www.afrmortgage.com/#null

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@UpmyscoreinFL wrote:
Congrats!! Who was your lender?

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