Will I qualify? Future!

I am fairly sure I should be fine, but just wondering opinions of experienced people The info I am going to have will be the info for when I am applying not my current info.  (current info has judgements that will have fallen off report and been paid) I dont know my Mortgage credit score, my fico is 649.Credit Negatives;Medical collection 264 dollars - paid (not sure if it will be removed as well, DOFD 2012)Medical Collection 324 dollars - paid (not sure if it will be removed as well, DOFD 2012)AAoA will be 1.5 years, credit history (since old accounts will fall off by then) will be about 2.5 years.8 open credit cards. Gross Income;26,000 yearly.  Increases yearly of .25 to .35 cents.(Daughter gets 550 for SSDI not sure if thats counted) Monthly Debt Payments;Household rent 890.00(cards will be paid off, I owe nothing on my cars) Employment;W2 hourly full time.8+ years at current job.8+ years in current field/industry Assets/Reserves7000 in savingsChecking has between 300-1000 dollars Location;Oregon, Clackamas county, 97206 or 97222   Property Description;Single Family home, 4 bedroom. Property Value;Price range 0-180,000 (Would like up to 210k but dont think I can qualify on my income alone) Occupancy;Primary residence, 4 occupants.  (Unless her parents get their credit fixed, then 6 occupants with increased income, so dont count on that)Daughter on SSDI 550 a month (or whichever social secuirty program it is, she gets money due to schitzophrenia, ADHD, OCD, learning disability, social disability and a few other things) Transaction Type;Purchase I think that covers it? Thanks for the input!  I do have judgements now but they fall off my report early next year and the way the garnishing is going, 2 will be paid off due to garnishing and 1 will be paid off at bonus time at end of year.  So reports should be clean of that.  I am hoping to get the medical collections removed once paid as well.  So reports may be clean.  I have no missed or late payments.

japakar wrote:
I am fairly sure I should be fine, but just wondering opinions of experienced people The info I am going to have will be the info for when I am applying not my current info.  (current info has judgements that will have fallen off report and been paid) I dont know my Mortgage credit score, my fico is 649.Credit Negatives;Medical collection 264 dollars - paid (not sure if it will be removed as well, DOFD 2012)Medical Collection 324 dollars - paid (not sure if it will be removed as well, DOFD 2012)AAoA will be 1.5 years, credit history (since old accounts will fall off by then) will be about 2.5 years.8 open credit cards. Gross Income;26,000 yearly.  Increases yearly of .25 to .35 cents.(Daughter gets 550 for SSDI not sure if thats counted) Monthly Debt Payments;Household rent 890.00(cards will be paid off, I owe nothing on my cars) Employment;W2 hourly full time.8+ years at current job.8+ years in current field/industry Assets/Reserves7000 in savingsChecking has between 300-1000 dollars Location;Oregon, Clackamas county, 97206 or 97222   Property Description;Single Family home, 4 bedroom. Property Value;Price range 0-180,000 (Would like up to 210k but dont think I can qualify on my income alone) Occupancy;Primary residence, 4 occupants.  (Unless her parents get their credit fixed, then 6 occupants with increased income, so dont count on that)Daughter on SSDI 550 a month (or whichever social secuirty program it is, she gets money due to schitzophrenia, ADHD, OCD, learning disability, social disability and a few other things) Transaction Type;Purchase I think that covers it? Thanks for the input!  I do have judgements now but they fall off my report early next year and the way the garnishing is going, 2 will be paid off due to garnishing and 1 will be paid off at bonus time at end of year.  So reports should be clean of that.  I am hoping to get the medical collections removed once paid as well.  So reports may be clean.  I have no missed or late payments.The maximum you'd quailify for is around $115,000 with your salary.  I'll PM you a program to help someone like you.  Check your inbox.  

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