HOME OWNER IN 2015 …I THINK..MAYBE

HOME OWNER IN 2015 …I THINK..MAYBEHOME OWNER IN 2015 …I THINK..MAYBE
LizzieMer asked 5 years ago

Here’s what I’m working with after re-building with MyFico from scores around 485 in 2014

 

SCORES 558, 554, 535

 

NEGATIVES:

AD ASTRA – $ 973 , 11/14

IC SYSTEM – $ 713 , 03/13

CREDIT SYS – $ 662, 03/12

AARGON AGENCY – $ 296, 06/13

REGIONS – SETTLED C/O 

 

OPEN:

CAP ONE – 994/1000 – 35/mo

CAP ONE – 273/300 – 25/mo

1ST PROG – 285/300 – 35/mo

FINGERHUT – 170/200 – haven’t received 1st statement

CAR LOAN – 9 MONTHS REMAINING, I am the co-signor but I make the payments at $ 455/mo – current – past lates 04/14, 07/14

STUDENT LOAN – $ 74/mo – current- past lates 60 days 6/14, 90 days 07/14, 120 days 08/14

 

INCOME 45, 676, FT 9 Years

 

I have a 401k but I don’t have my recent statement.  I only recently started to contribute 3% each pay period

 

I am looking in Tarrant County single family, primary

 

I app’d because I was curious and I was told that I could possibly qualify for 140k

 

I app’d because I wanted to know where I stood mortgage wise.  I’ve been told it’s quite different from traditional credit lines.  I was advised to pay down my credit cards , of course and to pay off Credit Systems for $ 662

 

Am I being advised correctly?  Am I on track to a mortgage in 2015?

 

I know I still have work to do.

 

 

 

 

 

 


Mortgage APR- Calculating and Evaluating

DINO BRAVO replied 5 years ago

Very informative. Thank you

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