I’m thinking about buying a place in the next year or so. My credit is about 580-600, in good standing with all accounts, just waiting for old stuff to fall off. I’ve got an income of about 31K, and my girlfriend makes 34K, and her credit history is very limited, but she has nothing negative on it. We’re trying to get her some more credit in order to build a history. We’re probably looking for something at bout 225K, with 25% down. What kind of rate might we qualify for?
We’re in Illinois, BTW.