J Martin (jmarr91)
#12 ranked lender in Georgia - 25 contributions
First, it's good that you do not have any credit debt. Hopefully, you didn't close any accounts because it will cause your score to drop. Lenders look for a borrower to have at least three opened accounts, one of them should show at least a 24mos history and also in good standing, along with the other two accounts. The money you have saved is a plus, however, the Homepath financing require 3% down of the purchase price. Before you get started, make sure that your credit report reflects a zero balance on your paid accounts. You want everything cleared up before you start having Banks pull your credit. I'm sure if I saw a copy of your credit report, I can possibly help you increase your score. Good Luck!