Quoting kate & tilly:" If you can set up a meeting and talk to a mortgage broker that would probably be best. Ours has been ... [snip!] ... qualify for. She said a lot of our debt was good debt. I'm not sure what qualifies something as being good or bad debt though."
Talked to someone today. USDA is ending funding for the majority of this area March 28th and we won't be able to get everything done by then, due to the fact I need to pay off some credit cards first and wait for them to report so my credit scores will raise a bit. The scores the LO pulled up were lower than the ones I got from Identity Guard.
He suggested an FHA. I am going to try and go for it, but I am afraid I will pour all this money into paying credit cards ad debt and then either not qualify or not have enough for the down. My dad said he could help with 2000 probably, but he is flaky and I fear he will back out.
My stomach is in knots. We are just tossing away vacation to make this happen so it will be pretty disappointing if we end up not being able to get something and we gave up vacation too, though paying off the credit card debt is the responsible thing to do in any case.
I have about 10k and I have 6k in debt to pay off leaving 4k. My dad thinks you can roll closing costs into the loan for FHA, but I don't know if that is right or not.