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Anybody in real estate?
Ms Sans Serif
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[quote:Anonymous Coward 15232842:MV8yMDY3OTQ5XzM0ODAyMDEwXzRDQUQ2RTlG] [quote:Anonymous Coward 7736082:MV8yMDY3OTQ5X0U0Q0JCQTVE] 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. [/quote] I'm a broker and banker with 30 years experience and you won't have any trouble at all unless the house has major deferred maintenance or structural issues (bad roof or foundation, etc.). If you can buy a home that cheap in an area you like and are comfortable with (for many reasons), do it, otherwise I would hold on to the cash. Shop credit unions in your area for the best rates. They are also more "customer focused" than a big bank, but about the same as a community bank. Note to self. Check out Delaware as a place to move to ; ) [/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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