Most first time home buyers don't realize how important their credit history, or a lack thereof, is.  To do a mortgage, we look at how a borrower has paid his past obligations, to project the future.  The weight is on the most recent history and history older than 24 months is almost useless.

I can't tell you how many first time buyers have NO credit history.  It's not impossible, but this is going to be a difficult loan.  If someone would have instructed these borrowers on how easy a "Secured Visa" could work miracles for them.

Go to most any bank and tell them you need a "Secured Visa".  You give the bank $200 to hold as security and they give you a REAL visa card with a $200 limit.  If you don't pay the bill, the bank keeps the money.  If you do pay the bill, they report tons of good news to the credit bureau. 

It's an easy way to a great credit history!

Randall "Super Broker" Schrader - 863-229-1235