Trulyalive
Feb 26, 2009, 04:48 PM
My boyfriend and I are currently renting an apartment, which has had a leaky roof since December. We let things go for a while, but after our second matress was destroyed when it started to leak again, we flipped. The apartment managers proceeded to inform us that we'd had complaints of teenagers running in an out all day (we both work 8-6, so this was impossible). Accused of destroying the lock on the front door (which we have a key for.. our car has already been broken into, why would we make it easier for someone to get into our apartment?), and told that when management had been in our apartment to inspect the broken light from the leak (after a month) our apartment was not up to cleanliness standards because there was clothing in the living room and a matress on the living room floor (clothing, because I'd had to get it out of my soaked bedroom, and we'd been sleeping on the floor for the same reason). So now, we've received a notice of eviction.
I tend to ramble, but my point being: I have bad credit. It's about a 481, mainly because of my stepfather when I was young (which I won't report because I refuse to get my mom in trouble), and a two credit cards (both with a balance now of about $500) that I was irresponsible with at 18. My boyfriend has a car payment that has never been late, but it's only about a year old. His credit is 587 according to one credit place, and 541 according to another. Combined, we make about $42,000 a year. We can scrape probably $2500 for a down payment if we absolutely need it.
Anyone know our odds of getting a house? And maybe where to start? We are trying to get pre-qualified, our bank said no, another guy recommended by my moms real estate agent friend is working on it also. We have a dog, it's hard to find apartments that allow them around here, we were lucky to find this one (up until December anyway). And we'd rather not rent again anyway.
I tend to ramble, but my point being: I have bad credit. It's about a 481, mainly because of my stepfather when I was young (which I won't report because I refuse to get my mom in trouble), and a two credit cards (both with a balance now of about $500) that I was irresponsible with at 18. My boyfriend has a car payment that has never been late, but it's only about a year old. His credit is 587 according to one credit place, and 541 according to another. Combined, we make about $42,000 a year. We can scrape probably $2500 for a down payment if we absolutely need it.
Anyone know our odds of getting a house? And maybe where to start? We are trying to get pre-qualified, our bank said no, another guy recommended by my moms real estate agent friend is working on it also. We have a dog, it's hard to find apartments that allow them around here, we were lucky to find this one (up until December anyway). And we'd rather not rent again anyway.