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first time home buyer - steps to take toward prequalifying?

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laurauspsga



Joined: 27 Jul 2008
laurauspsga's page
Posts: 1



110 Magic Points
Subject: first time home buyer - steps to take toward prequalifying?
 
 Posted on Mon Jul 28, 2008 4:22 am  
My husband and I did not have credit scores two years ago and wanted to buy a house. So we had to establish credit. We now have a little credit, none bad with the exception of there being a lack of and we both are in the 650s credit score range now. We want to buy a house now, have excellent income between the two of us and even have a home picked out that we both love and are confident we could afford. Having said all this the next step, getting prequallified, is so overwhelming and we don't know where to begin or with who... any advice would be great!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 629



-19 Magic Points
 
 Posted on Tue Jul 29, 2008 12:18 am  
laurauspsga,

first off, welcome to the forums, I am sure that you will find it useful and informative.

Have you tried to go to a local bank and see what they can do for you? or calling up a mortgage company or going online and see what the online mortgage companies can do for you? Is the home that you want to buy listed with a realator? Does that realetor have any financing companies that they deal with?

I know, just a bunch more headaches, you know at the top of the page is the mortgage forum. If you go there and post your questions there are many people in the industry on that forum who will be able to give you the guidance that you seek.

I wish you luck, and keep us updated.
 
JPolito830



Joined: 21 Jul 2008
JPolito830's page
Posts: 28
Location: Richmond, VA


948 Magic Points
 
 Posted on Tue Jul 29, 2008 3:31 pm  
I would 1st try the local bank...either the one you belong to or one close to you. Most of these banks can work with you.
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Searching for debt consolidation assistance.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 378



4034 Magic Points
 
 Posted on Wed Jul 30, 2008 8:30 pm  
many brokers and credit unions have less strict requirements for home loans
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