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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!
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.
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.
many brokers and credit unions have less strict requirements for home loans