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Hi I am looking to get a loan for a mobile home priced at 28,000.
I am a first time home buyer with my husband and 2 month old.
I do not know my credit score or how to find out, I just know my husband has no credit and I have been paying for my new car for 6 months with no missed payments.

I know I have nothing going against my credit. What can I do?

smithsussane · Posted: Wed Sep 02, 2009 7:51 pm Post subject:

Hi acave!

Welcome to forums!

You can get a free annual credit report from "annualcreditreport.com" as per the federal law. You can visit this website and get hold of your credit report to know what your credit score is like. If you want to get a conventional loan, you would require a credit score of 720-740. In case of a FHA loan, the credit score required is 620.

If you satisfy this criteria, then you would be able to apply for a loan. As far as your husband is concerned, his name would not be included in the loan as he does not have a credit score.

Check your credit report first and then contact a lender in order to get pre-approved for a loan. You can even speak to the lenders of this community and seek a no obligation free mortgage consultation from them. This will help you in knowing whether or not you qualify for a loan.

Feel free to ask if you've further queries.

Sussane

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