So long story short my credit is bad like 560/580 during covid i was hit hard almost lost my house but was able to sell and get out after missing payments and wrecking my credit now im back to work and trying to get set back up so my question is is it possible to get a building loan for a home with a low credit score some info
I have a lot of land worth around 90k
I have 30k in my bank account
I make around 100k gross a year
No debt
Only monthly payments are food gass and other basics around 700$ a month
My GF will be building with me she makes about 130k-150k a year
She has a 650ish credit score her monthly debt is around 1k$
Loan amount were looking for is around 300k
Want to know if its even possible to get the loan my self or if we could get one together
I’m far from a stickler for grammar and make my own fair share of mistakes, but how about using a period. Holy hell this is hard to read.
Anyway, you probably need a 620-640 minimum to get approved. Mid 500s won’t cut it.
I struggle to understand why you want a mortgage. I bought my house with cash and I don’t make near what you do. My wife does not work anymore. I did have to pay someone to build on to it as it was small.
You have land and 30k in cash. Buy a single wide mobile home put it on your land. Or one of those tiny houses. Rent somewhere cheap if you don’t like either of those ideas.
Do that for one year and save. Then start building your house with cash. It will take a year to build it. With your combined income this should not be a problem for a 300k house.
After you build it save again. 5 years later you and probably by then your wife are millionaires.
Going to be hard to get approved with a FICO score less than ~620ish. I’d focus on saving some more and getting at least 2 years of perfect credit history (no late payments) before trying to buy something. Two years of good credit use should increase your score considerably. May turn out to be a good thing to have to wait a while since housing prices are seemingly more likely to drop versus rise (at least rise significantly) given the economic situation.
Sell what you can and pay cash. with a 250K income, save and pay cash. Sounds like you are debt free, keep it that way.
Construction loans are a hassle. They pay out in stages and usually you’ll end up needing to max out your credit cards to get the house finished in order to get the final amount of cash to clean everything up. I have excellent credit and wouldn’t want to go this route.
Improve your score. You are not ready in a lenders eyes. Pay off active debt and collections debt to improve your score. You want a low DTI ratio and a high score to get a low interest rate.
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