I am tired of paying $700 in rent. So, I am looking for houses to but that will hopefully give me a better monthly payment.
My question is: Can I get a mortgage for a $59,900 house with my credit scores being 620, 573, and 571?
My roommate – who would be moving with me – has excellent credit (way over 700) but no current employment. I have a great job that I have been at for almost a year and earn $34,000. My monthly debt is around $350 (not counting rent).
We have a $4000 down payment for whatever we do. I also have check stubs for the last 10 months of paying $700 rent.
We have to do something because our lease will soon be up. So, waiting for my credit scores to go up will not be possible.
My roommate would be on the mortgage with me. She is out of work because she went back to college full time. Before she started school she was with the same company for over a year and a half. She has student loans which – in the writing of the loan – states that she is allowed to use the loan for housing since she lives off campus.
I am currently working with a law firm that does credit repair, but do not have the time to wait for the firm to help build up my credit before I either have to move or renew my lease.
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Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at
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