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Is it possible to qualify for a mortgage to finish my home? I have no mortgage and poor credit....613 maybe?

by jdyoungdc839 from Winfield, Kansas. Oct 19th 2013 Reply


Mike Purkey (mpurkey)
#44 ranked lender in Kansas - 26 contributions

Yes, there are a couple of ways to go about it - we would need to consider the "rest of the story" to find the best approach. We have some programs that will allow you to move forward, even with a 613 score. Give me a call (316-259-5862) or shoot me an email (mpurkey@primeres.com) on when and how to best contact you. Take care, Mike Purkey

Oct 19th 2013
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Mike Silkworth (msilkw_195_870)
#31 ranked lender in Michigan - 531 contributions

This is a tough one and would require much more information. Your best bet is to find a local lender that does construction loans. A lender that keeps loans in-house is your best bet - in other words, they don't sell them.

Oct 19th 2013
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 4,729 contributions

Maybe... Talk to a local mortgage broker for more information. Credit is so important... a 613 score is considered low, and is going to cause you difficulties. Before spending too much time looking for loans, I would suggest working on the credit report. Most credit reports are repairable to a certain extent in a short period of time. Getting that score over 640 is going to open a world of opportunity, and over 680 even more.

Oct 20th 2013
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