Have you had issues with properly handling credit in the past? Are your scores not quite where you would like them to be? Do you think your low credit scores or past indiscretions may limit your ability to buy a home now?
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Well, you may be surprised to find out that there are options available to you, even if you have some serious blemishes on your credit report. This is especially true if you have done a better job at maintaining your credit over the last 1-2 years.Things like open collections, charge-offs, credit scores under 600, or even a past bankruptcy may not prohibit you from qualifying for financing to buy a home. There are actually some great loan programs available as long as you have maintained good payment history in the most recent 6-12 months and have 2+ years from the discharge of your bankruptcy. If you filed a Chapter 13 bankruptcy and have a history of making on-time payments, you may even be able to qualify before the bankruptcy is discharged.
Don’t let mistakes from your past dictate your future. Contact us someone here on MortgageBite to have him or her assess your complete financial picture and show you the steps to take in order to qualify for your very own home. I’m confident you can come up with a plan that gets you where you want to be sooner than you may think.