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First time home buyers in Edmond, OK with less than perfect credit

Need to know who will approve my husband and I for a mortgage (first time home buyers). His credit score (mid score) is 663 and mine is 590. I know our credit isn't perfect but we have positive credit that we have been building for 19 months (auto loan and credit cards, never late). We also have 2 years solid rental history. No gaps in employment, no repos or forclosures. We need someone to recognize that we are on the right track. Most of the old "bad" debt is 5+ years old. Please help!! We have been getting the run around by multiple lenders telling us yes, then no, then to wait and get my 590 score up. We are out of time, our lease is up, we have been waiting a really long time for this.
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June 07 2013 - Edmond
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Answers (3)

Oh my goodness Yes. Your credit scores are qualifying. Now the thing seems to be if you haf 10% of the home's asking price. Or if it's an FHA loan then you will have to have 3.5% of the asking price. Now if you find a USDA area there is 9 amount needed down. Good luck to you guys.
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August 23 2013
It sounds like you need a loan officer who willing to do a little work for you.  Please contact me through my profile.  I would like to evaluate your situation and get you going in the right direction.  Less than perfect credit should not hold you back from getting a home loan.
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August 23 2013
Zillow does not allow use to place the lenders contact directly on these responses, just fyi.  But if you Google, Michael Clutts, with City Wide Mortgage.  Give him a call, he will be able to go over everything with you.  

Best of Luck and tell him Josh sent you.  
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June 08 2013
 
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