We understand most folks who contact us have never owned a home and have no idea what to expect, or where to start. With that understanding, we would like to provide as much information as we can pertaining to credit and financing. Many times we are hesitant to give a "broad" idea of qualifying because there are soooooo many factors to consider. It is seldom cut and dried. Many times if your income is lacking but you have great credit, you could still get a loan. And visa versa. Maybe you don't really have great credit, but your income is substantial, yes, Lenders could still give you a loan. Just because you don't fall into a certain pre-set criteria does not mean you can't get a house. Right now, this time of year, all Lenders are looking to make loans. If you are even thinking, considering, pondering..... You NEED to try now while rates are low, and Lenders are more lenient. It is not our intent at all to try and scare anyone in to getting a home. We do however know this industry and this business, and NOW is the time if you have been thinking about buying a home. Rules are changing everyday. If you continue to wait, you may not have the same programs available to you later on!
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