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Can I get a loan to buy a house with poor credit ?

by zohral_924_845 from , . Mar 15th 2013 Reply


Barb Lanis (BarbLanis)
#70 ranked lender in Illinois - 663 contributions

What is your credit score and why is it low?

Mar 15th 2013
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Charlie Sparks (CharlieSparks)
#9 ranked lender in New Mexico - 397 contributions

That depends on several factors. I can approve buyers with scores below 600. However if there are recent non-medical collections they may need to be paid off, as would judgements. Rent payments will be looked at over the last 12 months and if one were paid over 30 days late that would disqualify you even with a good score. Contact one of the lenders in your area who will be posting here for a discussion on your specifics. My company can help if you are buying in NM, AZ, CO or NV. I can be contacted from my profile page. Thanks and good luck to you!

Mar 15th 2013
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Georges Kfoury (GeorgesK)
#768 ranked lender in California - 7 contributions

What is your credit score and where are you planning to buy a house?

Mar 15th 2013
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Janine Bodway (jbodway)
#4 ranked lender in Montana - 42 contributions

Best if you contact me directly so I can assist you based on specifics. The definition of poor credit is dfferent for most individuals and there are challenges we can often work with. Also depending upon what state you are looking to finance in, we can process a lender search for the criteria specific to you in hopes to find a program in that state. For instance I have a lender that will go down to a 560 FICO score if you are financing in a state they are licensed in. I highly suggest you stick to a mortgage broker for flexibility in comparison to the local bank or credit union who may have requirements to meet that are tough with challenged credit. Worse case scenario, you can get some guidance with credit repair for a plan to get you back on track so you are moving towards the goal of buying. jbodway@acceptancecapital.com

Mar 15th 2013
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#76 ranked lender in Florida - 2,240 contributions

It really depends on many factors, depending on where you are located we can provide FHA financing with as low as a 560 middle score.We can usually advise you as to what to do to improve your scores and fix your credit depending on the severity of your situation.Call us or email us at 201-962-3555 or Team@BestMortgageOption.com for ano cost no obligation analysis of your situation.Ask for Michelle or Benny We will find the Best Mortgage Option to suit your needs!You can check us out at www.BestMortgageOption.com

Mar 15th 2013
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Jason Robinson (CFIsupport)
#58 ranked lender in Georgia - 106 contributions

Get your free report at annual credit report, and then update your post with details on why it is low.

Mar 16th 2013
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Steven Marche (stevenmarche)
#814 ranked lender in California - 12 contributions

Yes we can obtain a Real Estate Loan regardless of your credit. Contact Steve at 805-374-6000 evenings or weekends ok!

Mar 16th 2013
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Steven Marche (stevenmarche)
#814 ranked lender in California - 12 contributions

Yes we can obtain a Real Estate loan regardless of credit. contact Steve at 805-374-6000

Mar 16th 2013
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Steven Marche (stevenmarche)
#814 ranked lender in California - 12 contributions

Yes, regardless of credit we can obtain a Real Estate Loan for you, Contact Steve at 805-374-6000 for details.

Mar 16th 2013
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Steven Marche (stevenmarche)
#814 ranked lender in California - 12 contributions

Yes, we can obtain a real estate loan for you call steve at 805-374-6000 for details

Mar 16th 2013
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Christina Makarem (wjbmortgage.christina)
#871 ranked lender in California - 2 contributions

MInimum score we can work with at this juncture is 620. I can better guide you on how to improve credit once I am able to see exactly what negative factors you have. Contact me directly for better coaching as every scenario is unique.

Mar 18th 2013
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