I am so grateful for finding this amazing website! There is so much to learn from here!
My credit is 698 from CreditKarma and my fake-o from truecredit is 728 (I know all of it is just an estimate)
I have one credit card with $1,200 limit and another with $250 limit with both being almost one year old. (my credit history is only about a year old)
I have been using both of my cards - hence why my credit has increased since a year ago.
I don't have any bad marks on my credit. The only thing I have is a federal loan that is $3,000 which I am paying off $50 a month (I want to have a long history with them). I usually pay off all of my credit cards off at the end of the month but sometimes may have 5-10 dollars on them rolling over.
I have been in work the passed 3-4 years but with different jobs. Recently worked at 1 job for about a year and a half for a sales position. During that period I obtained my CNA license and am now working as a CNA for about 4 months and there is a significant amount of pay. I am working full-time and count this as my permanent job.
I have been renting for about a year and 10 months.
So now to get to the point!! There are quite a few houses that are in the $50-60,000 range that is perfect for my first home!!
Gross I make $19,440-21,060
So my question is..do you think they would approve me for a loan of 50-60k with my income and weird work history?