Straight out of college looking for a home.

My name is KC and I am the senior loan officer. I will be more than glad to assist you with the home loan needs. Normally, what you will have to do since you are about to graduate along with your fiancee that you have to have a proof that during the past two years you were in school which should be fine accompanying with the job acceptance letter which the company provide. In this case,we will have to run credit to see where is your rating in this then might have to use the alternative credits to help building your credit. However, if your parents can help you co-sign will be much easier. Please give me a call anytime at 858-939-9252. If unavailable then please feel free to leave me message and I will be sure to return your call.

Hello there! Just like KC, I would love to assist youas you prepare to move forward with your decision to buy your fist home. My name is Jaime Avery, and I am a local Realtor here in Atlanta.Once you have followed the necessary steps to secure your financing, you will need to begin your search for your new home. Feel free to browse my site (www.AbsoluteHomeSource.net) and sign up for your free listing alerts so that you will already have some properties ready to look at as soon as your loan officer says go! If you have any questions, please feel free to contact me! (678) 913-9326. I look forward to helping you make your desire of home ownership successful!

You sound like a prime candidate for first time home buyers. The best advise I can give you is to contact a local mortgage broker, not a bank, and apply with them. Dealing with a broker vs a bank gives you access to hundreds of lenders rather than just one. Their job is to match your particular scenario with the right lender. WilliamAcres.com

It sounds like you are on the right path. Without reviewing your debt load and your continuity of income, it is impossible to say if you would qualify. Regarding your credit, if you go with an FHA mortgage you should not have any problems. Most lenders can supplement your credit file with "alternative" credit such as rental history, cell phone, utilities, insurance and such. Take the correct first step and call a licensed mortgage loan officer in your area and get started right away. Since mortgage rates are so low, you might want to consider taking a portion of your 10-15% down payment and use it to pay off student loans. Then you could add that student loan payment amount to your mortgage payment each month and pay down your mortgage faster - thus saving money. Each situation is unique so make sure to consult with your tax or financial adviser as well.