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Do you know of anyone who lends in NJ for someone with a 630 credit score?

by brooke_623_868 from East Brunswick, New Jersey. Feb 6th 2013 Reply


Steven Ceceri (123LoanYes)
#12 ranked lender in Rhode Island - 723 contributions

Hi Broke. That score should be fine, depending on the other circumstances including the type of property, debt to income ratio and how the credit report is overall. I'm happy to speak to you on this tonight if you'd like. Take a look at my profile if you'd like for more information about me. Thank you.

Feb 6th 2013
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

The best advice I can give you is to contact a LOCAL mortgage broker such as Phil Dumouchel, and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Feb 6th 2013
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Bert Carpenter (BertCarpenter)
#1 ranked lender in Arizona - 2,211 contributions

As you can see, there are lots of investors that will. Make sure you are using a local Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of MANY lenders, not just those of ONE bank, and can properly guide you. But more importantly, we are trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Feb 6th 2013
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Lee Hopkins (LHopkins)
#36 ranked lender in Pennsylvania - 24 contributions

Brooke: We do. 610 304 2665. Thanks, Mike

Feb 6th 2013
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Lee Hopkins (LHopkins)
#36 ranked lender in Pennsylvania - 24 contributions

Brooke: If you have $$ for down payment and closing costs, we can help. Mike 610 304 2665

Feb 6th 2013
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Justin Egan (JustinEgan)
#26 ranked lender in Connecticut - 4 contributions

Brooke, I can assist - please email me @ jegan@ccbmortgage.com - Thank you

Feb 6th 2013
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Ron Wohlfarth (RonWohlfarth)
#34 ranked lender in New Jersey - 65 contributions

Good Morning Brooke..Need a little more before we can answer...Need all 3 of your scores...Thanks RonSpecializing in ServiceH. Ron Wohlfarth856-853-1234Money@RonWohlfarth.comwww.RonWohlfarth.comReal Estate Consulting49 Delaware StreetWoodbury NJ 08096

Feb 6th 2013
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Anthony Piccone (apiccone)
#97 ranked lender in New Jersey - 17 contributions

7th Level would be glad to help... 856-322-0233 ext 101 thanks Anthony

Feb 6th 2013
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Joseph Cordova (JoeCordova)
#98 ranked lender in New Jersey - 18 contributions

We are a licensed lender that lends fha financing down to 600 fico scores at competitive rates. I would be able to help you out with this. Remember, you can view your loan officer's backgorund through www.nmlsconsumeraccess.org . All you need is their nmls #. Mine is 146855. Best of luck to you!Joseph S. Cordova NMLS# 146855Evesham Mortgage, LLC22 South Maple AvenueMarlton, NJ 08053office: (856) 985-9944 ext. 103direct fax: (206) 333-0946cell: (856) 304-2381jcordova@eveshammortgage.com Apply online at: www.joecordova.com

Feb 6th 2013
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,247 contributions

Call our office in Cranford 908-577-9990. Good luck!

Feb 6th 2013
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Steve Azarch (sazarch)
#18 ranked lender in Tennessee - 93 contributions

You should be able to find a lender that will do a mortgage loan with a 630 score but a lot more goes into getting a mortgage than just the credit score.Several people have already said that they would like to talk to you about helping you.

Feb 6th 2013
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Ron Wohlfarth (RonWohlfarth)
#34 ranked lender in New Jersey - 65 contributions

Good Morning Brooke.. Thought we should follow-up with you...When you have a chance, please contact us...We need a little more information before we can properly answer you... Thanks Ron Specializing in Service - H. Ron Wohlfarth - 856-853-1234 - Money@RonWohlfarth.com - www.RonWohlfarth.com - Real Estate Consulting - 49 Delaware Street - Woodbury NJ 08096

Feb 8th 2013
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Robert Hanson (rhanson)
#38 ranked lender in Maryland - 646 contributions

Me! (and probably a fair amount of other people) Many are restricting loans to 640 and above, but I offer FHA down to 580 scores. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

Mar 14th 2014
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