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Wednesday, June 1, 2011

No Contract Yet

Though I've visited some of the Ryan Homes communities, I haven't put in a contract yet since I can't be rescored for 30 days from the first pull on May 8th. Since then, my scores have gone up about 40pts, so I'm hoping that I can now.

Has anybody purchased in MD with a troubled credit past? If so, what community did you select? How helpful was your sales rep? Were CDA funds an option for downpayment or closing costs if needed?

Friday, May 6, 2011

Starting with NVR

I've been looking for new home construction from a reputable builder and good purchasing incentives. I've decided on a community and a home, but I'm a bit fearful of moving forward with the pre-qualification process since I have a pretty rough credit history and a modest income as a government employee - not one of the super high haying ones.

At this point, I don't have a lot of debt, but my credit scores aren't what I'd call high. Has anyone with a troubled credit history purchased a Ryan home, financed through NVR? If so, what was your experience?