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Is it possible for me to get a mortgage?

I have a credit score of 675, annual income of 85k, and currently have $1100 a month in debt payments (student loan, car payment, credit card). I haven't owned a home since 2002, but I found one around 180k that I'm interested in. I will likely only have 10% down by the time everything is ready to go and I would really like to see if it's possible to put less down. I know this isn't the ideal mortgage candidate, what should my expectations be? by cheryl_993_142 from Lee Summit, Michigan. Nov 15th 2011 Reply


Jamie McKeehan (Jamiem)
#34 ranked lender in Kansas - 32 contributions

Yes, call me tomorrow I can help you thru the process. I take pride in educating clients in the home process. I even have a few helpful tips to improve your credit score for when you are ready to purchase. Thank you,Jamie McKeehanSenior Mortgage Professional816-309-0054Leawood Ks.

Nov 15th 2011
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Parham Rezaeipour (Parham Rezaeipour)
#3 ranked lender in Indiana - 8 contributions

We can help you with the purchase of your home. we can help you with different programs and down payment as little as 3.5%. Please feel free to contact 219-865-4000 and ask for Kevin. our pre-approval take about 30 minutes. that way you'll know right away if there is anything you need to do as far as your credit. i am looking forward to hearing from you to assist you with the purchase of your home. Thanks.... Kevin Parham/Senior VP Baytree National Bank, 219-865-4000

Nov 15th 2011
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Jim Papatheodore (LoanJim)
#17 ranked lender in Michigan - 16 contributions

You sound like a great mortgage candidate to me! I have down payments as low as $0. 675 is perfect! Call me at 810-444-0024 or apply online at www.MichiganMortgageStore.com. I look forward to assisting you!Jim PapatheodoreMortgage 1, Inc.NMLS ID 131478

Nov 15th 2011
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Liz Schneider (lschneider@fpfc.net)
#31 ranked lender in Ohio - 1 contribution

yes you would be an excellent FHA candidate- the program requires 3.5% of the sale price as downpayment and allows for debt to income ratio's up to 50%- based on info you've given you would qualify for approximately a monthly mortgage payment of $2400/month including principle, interest, mortgage insurance, real estate taxes and homeowners insurancefeel free to call me at 440.452.3894 to discuss or apply 24/7 for a no cost preapproval at www.firstplacebank.com/lizschneider

Nov 16th 2011
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Jamie Nummer (SomersetLendingCorp)
#30 ranked lender in Michigan - 86 contributions

Sounds to me like you will qualify for a mortgage! The important thing is to be certain that you are going to get the best possible loan for your situation. There are a list of things that you will want to be aware of before you make the offer to be certain you are qualified, knowledgable, and that you are are going into the deal as an educated buyer. There are programs available to you that offer 100% financing so there is defintely an option for you. If you would like advice or further assistance in any way, please feel free to reach out to me. good luck to you.

Nov 16th 2011
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

FHA only requires 3.5% down, and it's likely between the seller and your mortgage broker, you can get all of your closing costs and fee's paid... Contact a local mortgage broker, not a bank and get pre approved... WilliamAcres.com

Nov 16th 2011
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Yes, call me for the best rates.

Nov 17th 2011
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Should not be a problem and I may have a 0 down loan program for you. Call me at 734-395-9027 Jack C at Dependable Mortgage, Inc.

Nov 17th 2011
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