Can a first time home buyer succeed with bad ... - Zillow Real Estate ...

I was able to rehab our credit scores in less than a year from a pretty laughable score to a?lend-able?score. I was able to get copies of our reports at www.annualcreditreport.com and information and advice www.myfico.com. I also bought scorewatch from Myfico to keep an eye on the scores.?

Getting a mortgage includes a dozen moving parts, like credit scores, active positive trade lines, steady secure income, steady job history, virtually perfect rental history for a couple of years, debt to income ratios, and other items.?

It doesn't hurt to speak to a lender or two, but don't make a ton of credit inquiries that will haunt you down the road. Ask some of those "in worse situations than mine who are present day home owners" about how they got approve-able and who they used. If they used a lender who worked with them to get approved, that is who you want to use. But plan on setting some goals and sticking to them.

Source: http://www.zillow.com/advice-thread/Can-a-first-time-home-buyer-succeed-with-bad-credit/462098/

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