You make plenty of income and your scores are very good as well. So with only that information you would qualify easily. But without looking at your complete profile, it's hard to be certain. the type of income you have (commissions or hourly, or salary, or self employed), as well as how long you have been at your job, or was there a recent career change, etc... all of these things can affect whether your approved or not. Best advise i can give you is to contact a local mortgage broker, not a bank, and apply with them. they can look at your complete profile and give you a solid pre-approval. WilliamAcres.com

Should Not be a problem getting financing. Give me a call so we can run through your scenario. 615-594-8156

We lend on FHA purchases down to a credit score of 640, so you qualify on FICO score. You also apparently make enough to qualify for the home in terms of income. You would only need to put down 3.50% for an FHA loan, or 5.00% for a conventional loan. The monthly mortgage insurance is much less on a conventional loan, and also easier to remove over time. If you take an FHA loan you have to pay "Up Front MI Fee" of 1.00%. We recommend you ask the seller to cover that as part of your offer. Since you have close to 10% down, a conventional loan would be the way to go. Our firm is a mortgage banking institution with multiple investors and we also broker loans as well. I've never lost an FHA or Conventional loan to a competitor for a lower rate. We have been in business for 25 years and we are A Rated with BBB. Please call me at 310-619-4700. We are licensed in your state and I can send you a Pre-Approval Letter to shop with. Regards, Greg Filzen, Sr. Mortgage Banker.

Congratulations having, the discipline to follow a plan to save give you confidence in your afforabilty. FHA would be a good loan for you and I would would welcome the opportunity to contiue to walk you through the process and finance your new home. Great rates even better service I can be reached at ballen@accessnational.com

Kelsey, I received your email. I am a local mtg broker here in TN & have been in the industry for over 24 yrs. It slounds like you would qualify for a couple of different programs. I would love to discuss your options with you. You can send me an email with all your conact information so I can give you a call.ThanksNancy RelefordHome Equity Mtg615-8567-30601-866-450-6650 Toll Free

Kelsey, I received your email. I am a local mtg broker here in TN & have been in the industry for over 24 yrs. It sounds like you would qualify for a couple of different programs. I would love to discuss your options with you. You can send me an email with all your conact information so I can give you a call.ThanksNancy RelefordHome Equity Mtg 615-867-3060,1-866-450-6650 Toll Free

This should be enough to quailfy for the purchase of a new home. There are some factors that also will need to be answered and I would like to help with this.I have over 20 years experience in the Mortgage industry and can offer FHA lending. So give me a call and lets see what we can put together for you.Remember there is No charge to get you prequailified. 877-791-4968