Do I Qualify for a Mortgage?

Do I Qualify for a Mortgage?
richeventrzn asked 4 years ago
  1. Credit EQ: Fico 8 680, Fico 5 664; TU: Fico 8 677 Fico 4 643; EX: Fico 8 693 Fico 2 697 Collections: EQ: Date 10/08, Amount Owed: $ 4,590; Late Payments:3 CRA: Auto Loan: Redeemed Repo 12/11, Have paid on time since then; All 3 CRA: Auto Loan: Closed 10/10 Late about 12 times between 11/08 and 10/10
  2. Income.  $ 64,585, new salary as of 7/1/15 $ 66,200
  3. Source of income.  Employement
  4. Monthly debt payments.  Student Loan: $ 183, Car Payment: $ 370, Joint Car Payment (with husband): $ 460; Credit Cards: $ 0 balance
  5. Employment  Full time, W-2, at this job for 7 years, industry for 10 years
  6. Assets/Reserves. $ 24k in Savings
  7. Location.  Illinois, Will County
  8. Property. Single Family House
  9. Value.  $ 175,000 – $ 240,000
  10. Occupancy.  Primary residence
  11. Transaction Type. Purchase

My husband’s gross pay is $ 64,200 but his credit isn’t good due to defaulted student loans that he is now paying, so I’m trying to get a loan with just my name, so I know his information is irrelevant. We have one child living at home. 

 

Thank you!

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