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How to qualify for a mortgage

I am interested in trying to get a mortgage or work in the direction of one. I have been on my current job since 2006. I dont have any credit. I make apx $37,000.00 a year. I am aware I have some very small debt on my credit report that will be cleared up in no time. Do I need excellent credit to qualify for a mortgage or can I qualify with no credit and owing nothing? Thanks for your help in advance, Angela my email is[email removed by Zillow moderator]
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October 17 2012 - US
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best  next move  is to  contact a loan officer to  share all this data and to see if you can become  pre aprpoved for whatever you need/ want


contact  frnds for loan officer referrals
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October 17 2012
Dave's right Angela.  Search for a good loan officer near you and give him all this information. You'll definately need at least a 620 Fico score to qualify for a FHA mortgage.  But, if you're a little short of that, there's always things you can do to quickly improve it.  Other than that, you have steady employment and income with minimal debt, so you should be able to qualilfy. Best of luck!
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October 17 2012
 
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