How do I get back into my old home?
Amber,Contact a local attorney to answer this question. The attorney will need to see copies of the note, mortgage and the quit claim in order to advise you.
Credit Score: 765, Debt-to-Income: 35% --> worth lowering by 3%?
Your debt to income ratio is fine (current conventional underwriting guidelines call for a total debt to income ratio of no more than 45%). You will need cash after you buy your home for all the trips to the home improvement stores for lawnmowers, hoses, edgers, etc.. There are many loan programs...