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jacobdhillyard · Joined: 02 Aug 2009 Posts: 2 1.93 Dollars($)

my score is 603 fiancee is 750 she is waitress dont know how or if they can use her tips thats not on her w2 is credit lawyer worth it ive paid all bad debt the only thing i have is 1 credit card and engagment ring payment and one other loan never late at 603 how long before good enough for house dont want to miss out on 8000 dollars

adonis · Posted: Sun Aug 02, 2009 10:33 pm Post subject:

Hi jacobdhillyard,

If you want to get a FHA loan, you should have a credit score of 620. If you can take steps to pay off the credit card debt then it may help you in improving your credit score. As your fiance has a better credit, she can apply for the loan. Later on when your credit improves, both of you can refinance the loan and include your name in the mortgage docs.

Posted: Mon Aug 03, 2009 4:18 am Post subject:

her being a waitress i dont know if that will work and i owe 500 on the credit card 500 on ring payment ihave 2 inquires and 4acounts open one loan i have is 6000 dollars high intrest rate though

jameshogg · Posted: Mon Aug 03, 2009 10:14 pm Post subject:

Hi Guest,

As Adonis has suggested earlier, it would be better if you could pay off the debts that you owe on your credit card and ring. This will help you in improving your credit score to quite some extent which will help you in applying for the loan yourself.

Thanks

manoj_gopale · Joined: 16 Feb 2009 Posts: 488 0.00 Dollars($)

Hi,

welcome to mortgagefit

you should pay the debt through your wife's credit card and thus you can improve your score by some points and thus will be eligible for the FHA loan...

keep in touch.....

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credit wonders at 603