- Centurion Member
- Posts: 323
- Joined: Tue Mar 06, 2012 12:15 am
- Location: Chicago
Well, the g/f and I want to get a house now. What is/are the proper steps to finding a house? I don't know how the whole process works. Is there a step by step guide online on how to buy a house?
If I talk to more than one mortgage lender, how will that affect my credit score? What Banks (mortgage lender) should I be talking to?
My credit is better than hers, I'm not sure by how much but I know that it is better. Couple of questions. When doing a pre-approval, should I just use my credit and my income or should we do both credit and incomes? She's afraid that her credit not being on par like mine might drive the loan price down. So is it better to have 2 people for a pre-approval or 1 person?
Credit Karma says my TU and EQ scores are 750, CreditSesame who uses EX says my score is 765. I know those are FAKO scores.
Now Citibank is now offering FICO scores, and according to Citibank my FICO score is 805!
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)