Realtor/Lender Frustrations!!

We got our home loan through USDA program, qualifications are lower. There some stipulations with it though, and usually only for houses outside city limits and such.

Our problem was cash in the bank, and my med bills, the lender wanted to see a month or 2 payments sitting in the bank after close. We got there , and my grl worked a second job and every dime went to get her debt down. I worked deals with the coll agencies to make payments for a few, instead of dumping them on a card with interest.

As those collections age your score should come up, , watch new inquireries, and new derogatory,

I takes a while, took me a year to go from 540 to 650 to qualify, keep plugging along