Do you work with people in ohio

Yes I do please feel free to call me 405.285.1234 ext 116

All banks guidelines are different some want a few open established trades. I do have a few programs that will work for you however with those scores

Typically, your going to need a 2 year credit history to get a mortgage.. So brand new credit cards with low limits really doesn't show an accurate picture of how you will pay your bills.. and it's not unreasonable for the lender to ask borrowers to have sufficient credit when getting ready to lend someone $100K to $400K. Remember, those folks who owned the foreclosed homes were allowed to get mortgages and they HAD the acceptable credit scores and references, and they still defaulted. That's the reason why getting approved for a loan is much harder these days.. However there still might be a way for you with FHA since they allow for Alternative credit references. Rent payments, utility payments, insurance payments, even regular deposits into a savings account can all be used as an alternative credit reference, but if you go this route, you need to be sure the lender you select allows for alternative credit.. for this reason, I suggest you contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347