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what can i do to get the required credit accounts required for a mortgage

i am wanting to get something in the 10-35000 range but dont have the required accts necessary-i only have a credit card no auto cause im vision impaired and no present mortgage so is there anything else i can do-my scores are 628-777 right now i did have a mortgage more than 20 yrs ago for 13 years.can i combine disability with part time work- im in pa want to relocate to ft lauderdale area=must be a house i need advice
  • January 24 2014 - Erie
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Answers (3)

If you're scores are within that range you should be able to get a mortgage.  I am available to help you out contact me through my profile.  I lender in the entire state! 
  • January 25 2014
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Your credit scores of 628 -777 should allow you to get some sort of home financing.  It would be best for you to talk with a mortgage broker/lender as soon as possible to determine what you qualify for.  There are lenders who do not care about # of tradelines, so it is possible to get a loan with just a credit card and no other accounts.

Part-time income is questionable, because it is typically not seen as stable. If you can show continuity of job type, same # of hours each week, and a history of working part-time in a certain line of work it may be possible to use the PT income.  If you are moving though, I am not sure this will work unless you can keep your same job and work remotely in Florida.

Good Luck! 
  • January 25 2014
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Probably best to talk to a lender about your specific situation.  There are other ways to build/increase credit scores besides car and house loans.  And the 628-777 seem like a HUGE range. The lower end is about minimum needed but the 777 would be really good credit.  

Call a local lender where you wish to move and discuss what your options are. 

Good luck, 
  • January 24 2014
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