Bad credit: Who to reach out to for mortgage info?
Hi all,
I live outside the US (as a US citizen/expat) and have a 630 credit score, raisable to 650 or more in a few months. I have some credit blemishes, but also a strong, but new income, savings rate of about $70k/year.
I want to work with someone to see what home loans I could qualify for and when. I eventually want to buy a B/C property or two in Toledo or Cleveland.
Questions
1. Is the person I need to contact a mortgage broker, or a specialist of some other type?
2. Should I wait untl ready to buy or are they willing to help people planning 4 to 6 months in advance?
3. As the Ohio markets are my target and I am out of country, should I target MBs in my target investment area? Or are there expat friendly brokers I need to find?