Quote Originally Posted by HatchHero View Post
thats not all true bro. If you have no credit and money. you will not be able to get a house. cmon man thats why the housing market took a dump. it coming back alive tho. credit is everything. unless you have shit tons of money than you can just buy with cash. But if you have 620 or below its gonna be real hard to get anything. nowadays lenders are tighten up!! Believe me dude im a mortgage broker

do some research? are you in school? maybe you can get a student credit card. having lines of credit with 0 balance will boost your credit. if you have debt you need to pay them off or make it look like your paying on it.

actually you are wrong..... but thats ok....

if youve had a stable job for over a year.... a good downpayment.... and good income with no debt YOU WILL GET A HOUSE>>>>>>with no credit

most people do not know this.....

in fact there are plenty of people that get turned down with perfect credit....... because they have no verifiable income and they make over 6 figures a year/......

my best friend is a loan writer for WACHOVIA wich is now wells fargo/