What Moves Can I Make To Feasibly Buy A House By Years End?

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Mortgage

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I’ll get straight to the point. Vantage Score and I use Credit Karma Transunion: 545 Equifax: 558

5 charge offs 5 accounts in collections Total in collections about 4K Currently I have no credit cards Car loan of about 16K 21K in student loans(deferred) 6 years of history 97% payment history 2 hard inquiries

Got married 5 years ago, had kids, and was dumb with our credit so all of the accounts are pretty young so no chances of them falling off.

Desperately need a bigger spot since it’s 6 of us in a 4bd 2bth. Recently got a promotion so we are in very new financial waters coming from ~47k/yr to 69k/yr. thanks in advance for all of your assistance kind cRedditors!

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OxKing831

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Posted: 3 years ago
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