Credit Score: 

Your credit score needs to be a minimum of 640 in order to qualify.  If you have had a previous Bankruptcy, the discharge must be at least 2 years.  A Prior Foreclosure or Short Sale needs to be at 3 years ago.

Employment History:

We look at your previous 2 years of employment to be sure it’s in the same line of work.  If you are self-employed, we need a 2 year history of owning the business and showing income on your tax returns. 

Down Payment:

You can purchase a home with as little as 3.5% down of your purchase price on a Government Insured FHA loan. This money can come as a gift from a relative as well.

Give us a call to review your unique situation.


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