Hello I am wondering what to do because I'm 9 points away from having a 620 credit report.
But I would really like to get started on my first home buying RIDE.
Should I just wait a couple more months to buy or should I try to do an USDA loan?
The only thing with that is that I would not be able to get a house where my girlfriend would be comfortable with the driving distance.
Thank you for coming by my site and asking your questions. Congrats by the way on getting your credit scores up there.
With your scores being only 9 points away from 620 you are well on your way.
It takes time to keep your scores climbing higher.
However, with you being that close, I would not hesitate to looking into first time home buyer qualifications to find out where you stand. Sometimes the credit report done by the lenders will be different than any monitoring service you may be using.
Use the link above to find out more. Also you will find links on that page to lenders that can help you out.
Knowing your score is one thing, there is much more that needs to be done before you can get a mortgage.
The USDA loan is a great product for zero down home loans but it does have to be a home in the rural areas to qualify.