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Credit Evaluation for FHA


swtprncess281
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Hi,

I need a mortgage broker who would be willing to look at a my credit and tell me what steps I need to take to qualify for FHA. I was dealing with Charles in January, but it appears that he has disappeared. I know we have one or two that frequent the board, but I'm not positive of who they are.

One of the 2 main issues we spoke of is now removed from my report so I need to know, what now? I'd just like to get feedback before I go to anyone locally expecting a to be pre-approved. The 2 things I already know are: No lates for 12 mths (That will be effective in July unless I can get Honda to fix there mistake before then) and also my score will go up significantly one I pay down my credit cards (Between now and July). Just need to know what else could possibly stop me.

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Hi,

You had said one of the TWO main issues was taken care of, what was the second?

With no lates in the last 12 months, you should be in a good position. Paying down/off your credit card debt will obviously help as well. Just keep in mind that sometimes these things can take a little longer than anticipate to begin reporting.

We refinanced in December and its still not reflected on our credit report. :(

You sound like your on the right track. ;)

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