Purchasing A Home

We can look into downpayment assistance programs, to help with either your downpayment or closing costs. 

With a 580 you can still get a home, however, Credit karma is not the most accurate. We would still need to pull your credit to get the correct credit score number. 

Great News! You are considered a first-time homebuyer in the eyes of the mortgage Industry. If you have not owned a home in the last 3 years, you are considered a first-time homebuyer which means you would have access to all of those programs available. 

Good News! You may still get a home. You would just need to provide 2 years of the following:

• Personal tax returns (including W-2s if you’re paid through your corporation, partnership or sole proprietorship)
• Business tax returns (which may include a Schedule C, Form 1120-S or K-1, depending on your business structure)
• Bank statements (monthly or quarterly documents lenders can use to verify you have enough money to cover a down payment)

If your business is less than 2 years old, there are additional steps that must be taken.