I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and ou

His credit is bad, so the loan would have to be in my name. I am trying to wait for it to get to 660. If I wait can I get approved for a rate at least 10% or less. Can I add his income? I also have a VA guarantee but we aren%26#039;t married so I don%26#039;t think I can add his income to it. If I tried to buy now, how bad would it be? I will put 2% down and I can afford a monthly mortgage of $1200. Will someone think I am a desirable lender. I really want to have a home of my own.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Do things in order. Buy when you are married to someone and ready financially, at the same time, not before (unless you want to buy all on your own.) Don%26#039;t buy %26quot;with%26quot; someone you aren%26#039;t married to. Slow down, the time is not right.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Well, you can probably get a loan......

However, if you will forgive my saying so....

With a combined income of over $75k a year, why would your credit (or his) be bad?

Much better for both of you to pay off those old bills and get good credit before adding more debt to either of your pockets.

Also, it will be on YOUR head if you get the loan in your name, and if he is not in the habit of paying bills, you could get stuck with the payments all on your own.

Also not being married he could leave at any time so you cant depend on his income to make payments..

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

You can get a loan solely on your income if you have a credit score of at least 580. You will have to have all chargeooff%26#039;s or delinquent account paid before or at settlement. The amount you make will qualify you based on about 35% of you income monthly to pay your mortgage. The 2% down will go to your closing cost which is about 6% of the loan in philadelphia including broker fees. You will need a broker to get you a good deal. Ask for a 6% seller assist in the deal from the seller. Don%26#039;t try to get to much loan because you may end up paying it by yourself.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Especially since you aren%26#039;t married, if you want the lender to consider his income, they are going to run his credit as well as yours.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

based upon your condition,I think you should find something useful here.http://homeloan.online-assistant.info/ho...

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

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