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I just completed school last year and and I do now make a lot of money. I don't have any debt except for a car. I was divorced a few years ago and all this old debt is from my marriage that I got stuck paying along with the kids. So, before you make any stupid comments why don't you think about maybe there is a legit reason for this. I don't live beyond my means. I just want a simple house and a car to get to work.
Unfortunately not these days but things might change soon.
It sounds like you are on the right track, but you probably need to work at your credit for a while longer. Even if you found a lender who would be willing to work with you, the interest rate would undoubtedly be very high. Starting today, if you haven't already, establish a two year track record of making timely payments on everything including utilities and especially rent. Your landlord can be your best friend or your worse enemy. Start a savings account, even if it's a small one. Keep a close eye on your credit report and make sure there are no mistakes on it. With a professional's help, you might find a lease/purchase option or a rent to own situation. It is going to take time, but you can do this. Good luck.
Not in this market. that is why there is massive mortgage defaults, banks giving loans to people for for more than they could pay. Sorry, money is tight and banks are strict again, as they should be. Save and do what you can to get your credit better. If there where reasons for your other problems try and get your notes added to your credit report. unfortninity you get points and ratings that are not going to tell any story or reason, just a number. If your number is low you will not be able to bowrrow or borrow less. One sure fire way to get better credit is make more money in a better job. you do that by getting an education or improving your skills, ie working harder. Stop thinking of ways to borrow many and more about making, saving and investing. LIVE minnesota YOUR MEANS. STOP BORROWING MONEY AND MAKE AND SAVE MONEY. THIS IS HOW PEOPLE GET AHEAD, WHY THE RICH ARE RICH. IF YOU ARE minnesota DEBT YOU ARE DUMB. GET SMART AND OUT OF DEBT. Sometimes you need to borrow for a home but that is it, may be car. Throw your credit cards away if you don't pay them off in full every month.
The best thing to do is call a good mortgage broker. The mortgage broker will look at your income, your current debts, and your FICO scores, and will shop around to get you a deal. If necessary, the broker will work with you to rebuild your credit, but it sounds like you are already fixed that, by getting out from under the debt your ex saddled you with. Good luck, and don't be afraid to call a broker and get started. Once you know where you stand with a mortgage, than you can go shopping for a home. Mortgage brokers will help you for free. They only get paid if you settle on a house, and they actually get you a mortgage. If you have a relationship with a bank or credit union, call them and see if they will offer you a mortgage, too. Shop around. Congrats on getting back on your feet!
It sounds like with the great job that you have you will have your credit fixed in no time. You will need to contact a mortgage broker who has access to many different programs. It is there job to find a program that best fits your needs. Over the years I have boought and sold a few homes and I have used the same loan officer every time. I never had a problem getting approved. My credit scores werent the greatest due to high debt. If you would like to contact him I am sure he would be able to help you
Sounds like you're getting yourself on track. . .you're taking the steps to improve your credit. Make sure you are paying all bills in full and on time. Be Patient, wait for scores to go up. So keep this up, BUILD/repair your credit. SAVE money for a down payment. You need at least 3% for a loan and more is better. If you have 20% down, you avoid having to pay PMI. The larger your down payment and the better your credit, the lower interest rate you can get on your loan and that saves you tens of thousands over the life of your loan. Go to a lender and get Pre-Approved. You'll know how much house you can afford. DON"T overextend yourself. That's how many first time buyers get in financial trouble. Don't buy more home than you can easily afford.
There are ALWAYS legit reasons to have been in debt and ALWAYS people ragging you for being there. Get over it. Your numbers don't boomerang month to month. They reflect a trend, which takes longer to establish. Join a credit union and take advantage of their counseling department for tips on building your credit. You need to get a credit card and use it sparingly and pay it off completely every month. A second job wouldn't hurt in building the nest egg.