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Not much luck.. need approval

Does anyone know of any programs for a first time home buyer with around a 630 score, about 15000 down but won't hit 2 years employment mark until September 19'? Only looking for around 100-150000 mortgage. by Dmanjone168 from Ogden, Utah. Jan 26th 2019 Reply


I'm located in NEPA

Jan 26th 2019
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Did you have employment before or were you in school? We have several programs. Some will give you the entire down payment and some will give you a portion.

Jan 26th 2019
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,895 contributions

Rules require a minimum of a two-year job history in your entire life. So if you are at your current job for only a year and a half, but had at least any job for 6 months or more prior in your life, you are good. You can also use post high school education in lieu of a job history. So if you were in college for the past 4-years, just graduated, and at your first job ever less than 2-years, that also works. I lend in MN, WI, and SD, and can be reached at Minneapolis-Mortgage.com. NMLS274132

Jan 27th 2019
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Yeah I'm 29 I've worked off and on since I've been 16. I've been working for since September 17' so not two years all together. Before that I did work for like 7 moths because I moved back to PA from Florida and before that I had a spotty employment record.

Jan 29th 2019
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,659 contributions

There might be a way to go.. but you did not provide near enough info.. My best advice is to reach out to a local mortgage pro.. stay away from the big banks.. they don't have loan officers.. they have application takes.. They are not educated in finding the right loan for you how to determine if your work history qualifies.. they only take the application, and submit it.. then from there, someone else takes over.. Get with the local mortgage banker /broker. That's your best bet. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

Jan 29th 2019
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