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June Said:

First Time Buyers, 1 with Excellent credit, 1 with poor? will we get a mortgage?

We Answered:

I agree with most of the answers above. However, if you engage the services of a good, reputable mortgage broker, they are going to run the various scenarios (single purchase, both of you on the loan, compare incomes, qualifying parameters, etc.) and he or she will tell you the best way to handle the mortgage. You have to remember that you may need to temper the price of the home you want to purchase if only your BF's income is used to qualify. There is nothing wrong with buying a less inexpensive property; then when you get your credit cleared; purchasing a home more in line with your dreams. It just takes a little time.

Good luck and patience is the key!

Roberta Said:

Help on getting a poor credit first time buyer mortgage?

We Answered:

There are many lender who give 5 x salary etc, if you want advice e-mail me.