I am getting divorced. My spouse owns the house that we live in now, and my name is not on the deed or mortgage. My FICO scores are between 790-809 (FICO 4, 5 & 2). I don't really have a down payment, or won't until my divorce is finalized, and I'd rather get out sooner than later. I earn approximately 70k a year and have 0 debt (my car and student loans are paid off, pay my credit card statement in full every month).
Do I need to go to a bank first? Find a real estate agent first? I found a house I'm interested in, but idk if I would be approved for it (approximately 240k). I understand without a 20% dp I will have to pay PMI, and probably not get the best interest rate.
I just need to figure out the next steps to take.
Thanks in advance for any help.
Submitted January 23, 2022 at 11:05PM by baker2015 https://ift.tt/3rQw906
