Pre Approval For Buying A House

by Roger from Texarkana, TX US

Regarding Pre Approval For Buying A House: I am looking into buying a house. I'm a 48 year male on disability. I receive $1850 monthly from SSI. My wife works and earns about $9000 a year. My income does not count as taxable income on our tax returns. And our credit score in just under 600. We have two small children and have never owned a home.


Would we qualify for buying a house using a first time buyer tax credit? If not, is there any other way for us to buy a house?

Kate Answers: Pre Approval For Buying A House

Hi Roger, Although I cannot tell you specifically if you can qualify for a mortgage or tax credits, I would encourage you to seek mortgage pre approval for buying a house from a qualified lender.

Mortgage pre approval paves the way to home ownership. A qualified lender can also help you sort through credit issues.

It is also important to determine how much mortgage you can afford. Please read Affording A Mortgage and discover why the answer may surprise you.

I hope you'll come back to contribute again in the future. Of course, all of my information is free. So remember to add Get Your Best Mortgage Rate to your favorites and visit it often. You can even invite friends to comment or rate your contribution.

Best Wishes,


P.S. Go to my Best Mortgage Rate Blog, an entertaining source of mortgage information. Subscribe now to the RSS feed.


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You can also ask Kate about your mortgage at Ask Kate About Buying a House.

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