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Anybody in real estate?
Ms Sans Serif
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[quote:Anonymous Coward 1212477:MV8yMDY3OTQ5XzM0Nzk2NDQ5XzNDMkJDRDUx] [quote:Doominator 162364:MV8yMDY3OTQ5XzM0Nzk2Mzk2XzFDNzVCODA4] With interest rates so low now, it's OK to finance. Just put the minimum amount required to secure the loan as you need a cash reserve and you won't be broke if you lose it and become homeless. [/quote] WRONG. WRONG. WRONG. Interest rates have nothing to do with anything. What you need to know is if you are going to stayed employees consistently enough to cover your mortgage for the next 15 to 30 years. The earning ability question is critical. Nest to that question, interest rates are meaningless. [/quote]
I officially now have $30,000 saved up to buy a new home howeber I have very little credit. I only have one Visa card that I've had about 2 years. I get many offers in the mail just havn't followed up on getting a second one yet.
But If I'm looking for homes priced around $60,000 to $80,000 and put up around $20 to $25,000 for a downpayment (including closing costs) does my credit score really matter? My goal would be to have my morgage around $350 a month or cheaper. I take home after taxes about $1,400 a month.
First time home buyer so any help GLP can offer I would greatly appreciate it.
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