Newbies in Newark NJ

[Wil Beans]

I want to buy a duplex in newark new jersey. My credit is at 560 but if i had 10k or 20k in the bank, what is my next move. 

Side note.. My GF has a score of 750, we are planning on getting married in 2 to 3 years. 

[Jonathan Greene]

You should talk to a lender now, either separately or together, to see where you are at in terms of financing. You will need to get your credit score up and with a couple years there are easy ways to do it and plan for a purchase well in advance. Save money, bank credit, and get at least a pre-qualification and develop that relationship with a local lender. You would want to grab an FHA loan and house hack it in Newark and your price point there is all over the map from move-in ready to rehab special so you want to know what you can afford as the time gets closer so you know what that number looks like in real life.