Hello Gloria, please note that increasing your credit score is best. Normally 640 is needed for the best outcome when shopping for the perfect mortgage. Also not that lowering your debt as much as possible is equally ideal. It would also help tremendously if you took a 1st time home buyers class/workshop. Hope this helps and Best Wishes.
3 weeks ago
Do you happen to know what your credit score is? I find that when clients talk to a Mortgage Broker, they can help get you on the right path! Increasing your credit score is always a great idea, but you might be surprised what you can already qualify for. Rates are great, call her Broker and check it out.
Good Luck - you got this!
3 weeks ago
CENTURY 21 Lighthouse Realty
Hi Gloria, I am a realtor for all of Clay, Duval and St Johns, etc.. The answer, I would need more information, to suggest what to do. There is a minimum CR score, in many cases we can work with that. Currently we can offer first time home buyers and downpayment assistance incentives. I can connect you with specialty mortgage brokers and I will get you to homeownership fast. Nena Century 21 cell 571.723.6690
1 week ago