Sunday, April 14, 2013

House Hunting

I am searching for a house. The truth is, I need a bigger place. I would like a 3 bedroom or a 2 bedroom with an extra family room or a loft. The extra room will be my office/craft room. And I would like a townhouse. I have enough things going on that I do not have time to work on a yard. Plus, the thought of someone else plowing my driveway is just too good to pass up.

So, I've been looking through listings. I've seen a few nice properties with 2 bedroom and a loft. I can't truly commit now because my credit isn't high enough. But, I'm working with a program who will help me get my credit score up so that when I am at the end of my current lease, I can get a decent rate. I'm going with a loan through the VA. With the VA, I don't need a down payment, there is no PMI and I just might get a better rate than a conventional loan. Sometimes, it pays to be a veteran.

The VA says it does not have credit score requirement, nor does it have a credit history requirement. However, banks are less likely to lend to you if you don't have a minimum score of 640. VA loans are designed for veterans and service members, some of whom don't have a great credit history. Most of the programs out there who help veterans get these loans have a secondary program designed to help veterans raise their credit score. Often, these programs are free.

I look forward to sharing my journey to homeownership with you.


  1. Thanks for the follow--I'm following you back via GFC!

  2. Hey Jen! Thanks so much for following my blog - I'm following you back now! Home buying is tough. We're still renting and would like to buy as well but it's so hard! I will be here to cheer you on! :) Also, your son is so handsome! I look forward to keeping up with you and your life stories!

    Jen @ Yummy. Healthy. Easy.

    1. Thanks, Jen. Yes, he is a cutie. Thanks for the follow!

  3. Good luck to you. Buying a house is one of life's biggest milestones. And this is a great time to do it.

  4. Good luck on your hunt! Thanks for following Mommy Time Out

  5. thanks for visiting me today at

    i'm following you via gfc

  6. thanks for visiting me today at

    i'm following you via gfc

  7. Visiting from the GFC blog hop.

    Good luck with your hunt! I'm just looking for an apartment now and it's all crazy, so I can just imagine house hunting. I look forward to reading about it!

    Your Newest Follower
    Misfit Librarian