after calculating, me and wife can afford a 250k home with 3% down, our credit is average, mine being a 670 and hers being a 730, my brother is willing to help cosign too and his score is 690 not sure if its needed or not, but where would i go to get a mortgage? whats the best place, and easiest? my whole issue is that i want to be able to get the loan because of everything that has been going on, i can afford it, of course i have to eat noodles for at least 2 years haha but me and wife want to have our own place, i live in los angeles if that helps, thanks!
yeah, i can show income, i make 35k a year, my brother cant show income, but he has long credit, my wife makes 33k a year. we have 1 car payment and some credit card bills, all of our credit cards are under 45% hope this helps
I need to add that i work at a bank, they said they can give me no points, i just pay the closing cost, but what i was going to do was what ever offer i put in, i would tell the seller to put 10k into the closing cost, is that reasonable or am is it wishful thinking? would that be a benefit for me? how much do loan agents/ mortgage brokers usually charge? and how would i be paying?