604 Middle Score
late/slow mortgage pays within the last year (gets out of 12 months in Feb 2015)
Home price = 400 K
Down payment = 150K
Low balances on credit cards
General slow pays
I am interested in working with brokers that can help with the above mentioned scenario.
Most lenders won't lend if you have two or more late/missed mortgage payments in the last 12 months. FHA won't lend if you've had one in the last 12. Don't ask how I know. ;-) Best bet may be a lease-option, land contract or owner finance.