I want to buy a new house (will this disqualify me?)...here s my situation. I have a condo which I moved out of last year and rented because I needed to be closer to work. I have no debts other than a modest car loan and the mortgage on the condo (1st and second). Never been late on my mortgage but did go 30 days on the HELOC while I was suffering through some complications from pregnancy. Also as a result of complications from pregnancy I had to stop paying one of my credit cards but eventually settled 14 months ago for about 40% of the balance. Current credit score middle is 700, income over 100K and I have the 3.5% and closing ready to go...do I have a shot? I'm more worried about the the credit card settlement being only 14 months old.November 13 2012 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.