I bought a foreclosed home in cash and would like to take money out on it for some upgrades.
Hello and thank you for the inquiry, you have options. The unknowns are how much cash you will be taking out and how your credit score has recovered. I am available to discuss @ 216.525.2500~Scott

Do you lend in Ohio
Yes, OH & CA. What are you looking to do in OH?

Best time to buy
All good answers. The key to credit scores it that is all calculated over time. There are several factors we can discuss why the score dropped but regardless the score will return and possibly increase over the next 30-60 days. That said, depending on current liabilties and ability to document that...

My wife was recently furloughed and we're about 3 days from closing. Will this affect us?
Great answer Bert, I would add that you should be discussing this with your current loan officer. Best to get in front of this before you sign and hire a mover only to find your loan gets declined.Call