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I applied a mortgage back in March 2011 but I got denied. I had a foreclosure with my ex-husband back in 2008. The mortgage lady that processed my mortgage application said that my credit is good and the foreclosure will be good in Sept 2011. She advised me to give the foreclosure some time. Also, at that time I made less (20k a year). Now, I make at least 40k or 40k+ a year. I don't know what my credit and fico score is. I want to purchase a house next year around October when my lease (house) is up. Can I ask my bank to check if I qualify for a loan to purchase a house? I want to know where my credit and fico score standing at. If I need to improve my scores or what is that I need to work on to qualify for a loan. I'm not asking too much, I'm comfortable with 80-100k with 5% down. Do I have to ask for preapproval or prequalified? Is this process has impact on me when I will apply for a loan in October 2014? Thank you in advance.
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Send all yourl Real Estate and Mortgage questions to me 24-7 I will have a answer. Thanks David Schwab of Sterling Bank
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