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What if you are 29 years old, worked at your job 8 years part time and all I owe is an gas bill?

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October 16 2011 - Buffalo
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Profile picture for Rchan81
What specifically are you asking?
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October 16 2011
do you have credit? other than the gas bill?
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October 17 2011
Profile picture for Debbie0813
Thanks for all the great answers...Yes I do want to know if I qualify for a mortgage because i want to buy a house next year...preferrably a 5 bedroom single home with a bath 1/2.....
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October 17 2011
You may qualify for a loan based on your part time job, depending on the income and the price range of the homes in your area. The banks would average the last 2 years income to get your monthly income to qualify. The first step should be to contact a loan officer. They would run a credit report, average your income and consider how much money you have to work with, to determine a sale price you could afford.
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October 17 2011
Profile picture for sunnyview
Sounds like a good start, but in most cases you will need a decent credit history and a down payment/reserves of some kind before you can qualify for a mortgage to buy a home.

If you're interested, you might run some numbers through a calculator here to see what you might be able to qualify for.
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October 16 2011
Profile picture for wetdawgs
Are you asking if you are eligible for a mortgage?

A good starting place is to check your credit score, and evaluate your down payment and closing cost funds that you've saved up.
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October 16 2011
 
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