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Is an FHA loan possible without credit scores?
Meshanne
Contributions: 5
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My husband has had steady work for well over the last 5 years, currently makes $47000 a year and I am a stay-at-home Mother of 3. We have $6000 to put down and are looking to buy in Cape Coral, FL for around $130k.We first looked into it on 4/17/09 and pulled a score of 636, but time is flying and now we can't pull a score. We've never had a forclosure, bankruptsy or eviction. We have no credit cards but our last loan was paid off on 07/28/08 and is listed in good standing on Transunion.
We have tax paperwork and letters showing our payments and good standing accounts with our electric and phone companies over the last 12 months, along with all of our rent receipts also showing good payment and standing.
Is there any hope of us getting a mortgage? If so, where do we start? Who does manual underwriting?
Thanks much for your time and advice.
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