Posts Tagged ‘cars’

Can we qualify for an FHA loan?

Wednesday, September 23rd, 2009

My husband and I have been at our current jobs for nearly 3 years.
We have a combined income of ,000.
We don’t have any debt. Our cars are paid in full and we don’t carry a balance on our credit cards.
My credit score is 654 and my husband’s is 660.
We have ,000 for a down payment and are looking at homes in the 0,000 – 5,000 price range.

Now for the terrible:
I have three accounts in collection that are about 5 years ancient. Totaling about 00. (I would pay these but I am worried that it will bring my credit score down, and cause us not to get approved for the loan)
My husband had a tax judgment that has been paid in full about a year ago.

With this information, do you reckon we will qualify?
What can we do to improve our chances?

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Posted in FHA Loan Information | 1 Comment »

Bidding on a Hud Home?

Sunday, June 28th, 2009

My husband and I are bidding on a HUD home. As of this time the House was just place on the market (it has been on the market as a foreclosure before I reckon 2 Yrs ago). They are asking 110,000 but we feel it is worth about 80,000-95,000. We bided 85,000 and the hud realtor said since it is the first time it is listed they probably won’t accept it. But he did mention no one is looking at it. Also we have a few family members that are really directly located by the home and say it has been extremely silent. Cars drive by stop and just take off. We looked up what they got for the house two years ago and it was 110,000 and they did NO WORK. It needs tons of TCL but that is okay with us. I am confused a tad on the process. If they don’t accept us and go no other bids will they relist it or will it go up for grabs for investors? Hmm …By the way I don’t know if it help but we are in Jersey.

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Posted in HUD Foreclosures | 2 Comments »

Stockton,California FHA loan limits? want to buy home, need loan help.?

Friday, June 12th, 2009

hi we are looking to buy our first home. We want to use an FHA loan because we want to go within 5 months because our lease ends in our current apartment in 6 months. Considering that, we will only have a small to place down. We will buy in my husbands name cause Ive only been at my job for a week. His monthly yucky income is about ,000. I also have terrible credit from about 3 yrs ago so including me is a terrible thought.
We need a larger place, and with 2 cars, living in an apartment is crowded. We fight over parking right now, and my kids are stuck inside because there is no place to playoutside so we want a home with a huge yard. And i figure if we are going to buy a home, we might as well try to get the one we want. So… We are looking to buy a home between 5,000 and 5,000. Maybe as high as 0K if possible. With 3% down we can manage. If you are a loan officer that knows aboutloans in cali please help us.

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Posted in FHA Loan Limits | 1 Comment »




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