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4 years ago
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I have a new credit, can i buy a house?

my credit is real new, also i dont have record in the credit bureau but i have a job and i can pay a house (i am paying a rent of 1250 dol rigth now) what can i do?
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As with your current situation, if you are wanting a house sooner than later... go to the bank and talk to them. Tell them your situation, how much you are currently paying, etc. Might be good to take the last paystubs covering a month with you as well as maybe a letter or document from your apartment showing your payments have been made on time, how much they are, etc. Some banks might be willing to work with you. Worth a shot.

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Misleidy Perez
Misleidy Perez
Real Estate Professional
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Hello Luis,

My name is Misleidy Perez, I am an experience Mortgage Banker with Brazos National Bank.

We have programs for individuals with New or No Credit among many other programs.

Please feel free to give me a call to discuss your lending options at 817-349-1612
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3 years ago
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would you work with people living in FL email me at franchroses@consultant.com

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would you work with people living in FL email me at franchroses@consultant.com

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L.  Wilson
L. Wilson
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I have a program that can put you into a home today and reports your monthly mortgage payments to the credit bureaus each month to build your credit. If interrested, please visit http://unwantedmortgage.com

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1. Do you have a bank account/savings? Lenders see that as good sign of stability.
2. Make sure to always pay bills on time. Which is one thing credit reports show along with any available credit you may have.

3. One way to start getting credit built up is getting a credit card. If you can't get a normal one, try Wal-Mart and signing up for one of their cards. Use it a little but always pay it off every month. Never go above 50% of your limit (staying at 30% or below better. Big thing is with any card, make sure there is no application or annual fees for just having the card. Never spend more than you can pay off.

4. If you can get someone to co-sign with you on a credit card, loan, ect, you can piggy-back on their good credit to help boost your credit. Remember though if you forget to pay it, it hurts the other person too though.

5. Get a small loan with a bank for say one year and pay it off. Yes, you will have interest that you will have to pay back but having a variety of types of credit will help boost your credit score.

BIGGEST thing is, do not try and go do all of this tomorrow. Responsibly get and use a credit card for a while. If you have a bank account, try a card through your bank. Makes it easier to get payments in on time. Do not sign up for every credit card on the block. Each time it pings your credit and a lot of available credit can hurt your when you go to get a loan. Last, try a search on Building Credit. There are some great advise on sites out there.

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2 years ago
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I'm a teacher and I considering to move to Osceola Co., you think if the Department of Education hire me, I can rent a house immediately?
Thanks,
Maeso

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