Contemplating Buying A Home

[Stephon Conteh]

Been working on my credit & finances during 2019. I believe I’ve reached a point where I’m eligible for a conventional loan however I’m afraid I’ll be denied. Does anyone know if I’ll be able purchase a home using a conventional loan or first time home buyers program? (Here’s all the info I can give to assist with your response to my question.)

Location: Philadelphia, PA

Credit Score: 660

Income $2200/month

DTI: 30%

Employment status: Full Time

Cash for downpayment: $4000-$6000

As far as my “debt” I have a total of 6 Credit Cards & my card utilization is 75%, 63%, 64%, 90%, 57%, 65%. Would this affect anything?