Planning to buy home

[KothaKurrodu]

Bros help needed

i am thinking to buy a home in Tx. But na credit history konchem bad undhi because of debt consolidation and some loans pending unnnayi. Na wife name tho loan theskovacha.. she is on h4, ead tho working and have good score around 700+

genuine suggestions needed please

[MiryalgudaMaruthiRao]

May be 

[MiryalgudaMaruthiRao]

Not dure

[Katravelli]

yes but entha illu anukuntunnav and interest ekkuva ayithadi wife salary entha danni batti kuda untadi... usually 760+ unte prevailing interest rate ki vastadi 

[snoww]

11 minutes ago, Katravelli said:

yes but entha illu anukuntunnav and interest ekkuva ayithadi wife salary entha danni batti kuda untadi... usually 760+ unte prevailing interest rate ki vastadi 

 

If your spouse’s credit score prevents you from qualifying for a mortgage or drives your interest rate higher, you may want to apply for the mortgage solo. Keep in mind that if you apply without your spouse, you may qualify for a smaller loan amount as only your income and assets will be factored in.

Remember that lenders consider your income and DTI, not just credit when determining mortgage eligibility and the interest rates you’ll pay. If your spouse has a relatively high income and low debt levels, it may be smart for you to apply together. A good lender should help you work these scenarios to determine what is best for you.

[BetterThief]

21 minutes ago, MiryalgudaMaruthiRao said:

Not dure

[k2s]

[BetterThief]

Just now, k2s said:

🍆

[k2s]

Just now, BetterThief said:

🍆

[BetterThief]

2 hours ago, k2s said:

🥥

[nijamena]

3 hours ago, KothaKurrodu said:

Bros help needed

i am thinking to buy a home in Tx. But na credit history konchem bad undhi because of debt consolidation and some loans pending unnnayi. Na wife name tho loan theskovacha.. she is on h4, ead tho working and have good score around 700+

genuine suggestions needed please

Bro. Dont buy. Wait till your situation gets better. 

You should own a home not the other way round. 

Debt is the biggest income sucker. Please hold, get off from debts. Dont work for the bank rest of your life. 

[KothaKurrodu]

55 minutes ago, nijamena said:

Bro. Dont buy. Wait till your situation gets better. 

You should own a home not the other way round. 

Debt is the biggest income sucker. Please hold, get off from debts. Dont work for the bank rest of your life. 

I totally agree with you bro. 2nd income undhi stable ga, so planning.. na debts 1 year lo clear avthayi around 50k. Ee lopu housing prices same undavu ga ani thinking

[KothaKurrodu]

3 hours ago, Katravelli said:

yes but entha illu anukuntunnav and interest ekkuva ayithadi wife salary entha danni batti kuda untadi... usually 760+ unte prevailing interest rate ki vastadi 

Ma area lo decent price 350k-400

[ShwethaNaidu]

22 minutes ago, KothaKurrodu said:

Ma area lo decent price 350k-400

Location idiot 

[KothaKurrodu]

35 minutes ago, ShwethaNaidu said:

Location idiot 

Texas 😡