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Which is more important DTi or credit score

I have received a bonus and want to reduce my debt or pay off some credit cards. Should I allocate the money to one versus the other? I'm hoping paying down my 2 credit cards will push my 690 credit over the 700 line

fha203k allowable repairs/ financing?

want to qualify for an fha203k and immediately work on the new kitchen of the home. would i be able to also install a new oven and use the funds for a fridge?

can i get a 5 yr ARM with a 687 credit score?

i want a car and a mortgage, what do i do.

my car just broke down but my lease is up in 4 months and i want a mortgage. i've been advised by several bankers to do NOTHING about my car (one even recommended i rent a car for 4 whole months...) because the large purchase will not only screw up my credit but look bad on my...

will i qualify for a condo through FHA?

would like to get a condo - the ones i like are in the $150K rage. I make $47 K a year (gross) and have $5K saved up for down payment so far. 724 credit score. Can I qualify for something like FHA? I can save up more for down payment and plan to first anyway

is disability included as income for rural development loans?

i'm reading that usda includes "total household income" and my son's disability money seems to barely put us right over the qualifying limit. but that money all goes to his care and medical expenses as he is unable to live on his own. is that disability going to count...

Curious about how much I could possibly get approved for

I've not really looked at property values so not sure what my down payment would be exactly but I have $11K saved up for a down payment alone. Credit hovers about 715. Any ballpark estimates for how much house I can afford?

Does income determine my interest rate or will credit score be the main ...

renting with option to buy - worth it for me?

i've read online about general possble drawbacks etc. but would like to know if my situation is good for a rent to own scenario: want to save more for down payment but have good income. 703 credit. looking at a promotion in October (already locked in) and small savings...

will FHA finance a manufactured property?

does it just need to meet the requirements or do FHA manufactured homes have different ones

Can I do a 203k mortgage still with only 3.5% down?

in what case are hybrid loans beneficial - good for first time buyers?

i'm buyig for the first time and wondering if a hybrid mortgage would be ideal - living in home for exactly 4 years and no more (husband is military and we are being relocated for a contract period).

Can I get a USDA mortgage with a 615 credit score?

Is the loan amount guaranteed by a preapproval?

Got a preapproval for a $350K mortgage little over a month ago, then family matters put a big halt on my home buying. Ready to get back into the swing of things. Will this preapproval still work and am I guranteed the 350 by that lender or am I going to need to submit new...

How much do i have to put down on a conventional mortgage to not pay mor...

Hoping it is less than 20%

are second properties eligible for usda?

can i get a home in upstate NY using a usda loan? i'd like to do zero down and know i qualify based on income.

Best time to buy now or in the winter?

I'm concerned about buying now (summer) versus winter. I know rental costs change depending on the season - do mortgage rates vary depending on the time of year and if so, do you know when they generally go down?

are rates on rent to own any different than just buying outright?

want to get familiar with the process. if credit score is same for each, would rent to own possible result in higher rates for any reason?

are lenders approving subprime loans?

i have 595 credit and would like a mortgage but it has not been looking good for me, especially in ann arbor. i have enough for 10% down though and i am working on credit repair. is it worth waiting or just pursuing any subprime offer while rates are low?

Income and mortgage payments

Is a $32K per year job (gross) enough to pay for a $170K home with 5% down? Having trouble figuring my affordability. Currently other payments I make every month total $300 (does not include things like utlities)