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I'm Cece and make 42,375 a year.I have excellent credit and want a house in Imperial ca for 200k. Do I qualify on for this type?

by firecaptain2638 from , California. Sep 8th 2014 Reply


Regina Rutnam (rrutnam@stearns.com)
#990 ranked lender in California - 2 contributions

Cece, i need more information to get you pre qualified, this is a free service to you, if you are intersted, call me at 626-824-7892. or email me at rrutnam@stearns.com -thank you

Sep 9th 2014
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Jason Vondrak (jvondrak)
#185 ranked lender in California - 1,723 contributions

Hi Cece, much more goes into determining if you qualify. It is best to speak with a lender directly to determine if you qualify. Feel free to send us an email at info@prospectfgi.com. We can look at your financial and pre-qualify you for free.

Sep 9th 2014
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Marty Stern (rubicon1020)
#405 ranked lender in California - 74 contributions

HI Cece - as the other lenders pointed out, we need more info to qualify you. But, I can tell you that if you're able to put 20% down and have less than $500 a month in debt (credit card monthly payments, car payments, etc), YES, you would qualify for the $200,000 home with a conventional loan. If you debt is higher, or down payment is less, we can look at other financing options such as FHA, or perhaps using a non-occupant co-borrower. Contact me if you want me to go over your situation in more detail! 707-364-4115, marty.stern@homestreet.com

Sep 9th 2014
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Ralph Richard Guertin (ralph@absolutelowrates.com)
#135 ranked lender in Florida - 644 contributions

Hi Cece, if you would like me to weigh out all your options, I would be happy to help you, find the best loan out there. Call me at 954-274-7725 Ralph Guertin or email me at Ralph@absolutelowrates.com

Sep 9th 2014
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,041 contributions

Without knowing what debt you have, we cannot tell you if you qualify or not.. Understand that lenders look at over 100 different things to determine one's eligibility.. knowing a credit score and income are just 2.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be able to tell you exactly what you qualify for.. By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Sep 9th 2014
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Jennifer Wilson (Jennif_768_803)
#566 ranked lender in California - 12 contributions

Hi Cece,I noticed your email address is fire captain. I have a down payment assistance program especially for fire fighters, police officers and teachers. Call me today for more information. (951) 264-1003.

Sep 9th 2014
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Larry Gray (lgray_312_247)
#563 ranked lender in California - 1,127 contributions

I see Marty Stern provided a good answer with very little information provided. As a former colleague I am delighted to see him responding to your question. You do score points with our mortgage bank for having excellent credit! We do like to provide grants and down payment assistance for borrowers who qualify. That could minimize the amount of money you have to come in with to complete thetransaction.

Sep 10th 2014
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