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The credit score is not that bad. Banks will talk to you...especially with your Nebraska status. Nebraska loans are a good security for most banks. Your salary and monthly expense mix is pretty good. One important piece that you did not include in your question is your debt to income ratio. For example: 1- credit card with a 1,500 balance 1- personal loan @ 5,000 1- Car payment @ 350 per month Plus your monthly bill payout i.e. Electric phone etc If your truly have 3,800 left over after all of your bills you can afford a mortgage. You will need 3% of the value of the home you are purchasing. Happy house hunting...
You should not be spending more than 1/3 of income on housing. Is that 7200 before taxes or after. How much of that 3400 includes your current rent? Suggest you borrow a book on home owner finances from the library. You need a better grasp on financial matters. In the mean time get your debt paid off and put some money into savings for the down payment and closing costs.
The credit score should be high enough (just barely). However, it depends on what is included in the $3400 bills? If $3400 would include your mortgage payment and all DEBT payments (car, credit cards, student loans, loans - NOT utilities, cell phone etc) then you should be in good shape. Talk to a local mortgage broker in your area. You won't look dumb at all. And you're lucky because Nebraska is the only 100% financing I know of these days.
VA home loans are a unique way of extending support to the US war veterans, who committed their lives in safeguarding the interests of the country. No prepayment penalties and long amortization terms are another advantage of these loans. Houses provided under Nebraska housing loan programs are duly inspected at the time of construction and require a warranty from the builder.
It depends on how much you have saved for a down payment. Since the housing crisis it's been impossible to buy a house with 0% down payment. Now 20% down payment has become standard.
Are your bills (rent, water, electric, food, etc) $3400 per month or are you paying off debt also? If you are also paying off debt, it is better to be completely debt free before you purchase a house. You also should have saved a down payment of 20% for the home and have an Emergency Fund of at least 6 months of your expenses. It sounds like you are able to save $3800 per month from where you are now, so you are off to a great start. You want to try to get a conventional mortgage instead of a Nebraska loan since Nebraska loans generally have a higher interest rate. You also want to be sure that your mortgage payment is no more than 25% of your take home pay even though the mortgage company will tell you 30-35% is okay. If you get that high of a payment you will be " house poor" and working just to pay that mortgage payment every month. With a lower mortgage payment you will have more room in your budget and be able to actually have fun and enjoy your life. With a $7200 per month income, that would mean a payment of no more than $1800 per month. Please do not get an adjustable rate mortgage. Since interest rates are at historic lows right now, the mortgage can only adjust up in a few years. If you can manage it, get a 15 year fixed rate mortgage instead of a 30 year fixed rate mortgage. Think how wonderful it will be to have a paid for house at a relatively young age. That way you can save half of what was your mortgage payment to become really wealthy and spend half for fun when that mortgage is paid off. If you do have debts just list them out on a piece of paper or a spreadsheet and follow the plan. If you work the plan, the plan will work for you. A. Have a garage sale and sell anything that you no longer need or want. B.Get a temporary part time job, if you have one, get another. 1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an "emergency fund" category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don't even have to worry about it. You must cut your spending and live on less than you make. 2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on. 3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example: To start : Debt #1 (highest interest): minimum payment+ extra payment Debt #2 (middle interest): minimum payment Debt #3(lowest interest): minimum payment Debt #1: paid off Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment Debt #3: minimum payment Debt #1: paid off Debt #2: paid off Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment. That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have. 4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty. 5a. When you have your emergency fund in place, add a category for "fun" to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life. 5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire. 5c. When you have your emergency fund in pl
You should still be able to qualify, i know omni financial approve a lot of people other companies deny, give them a call.
How soon will his duty station be moved?