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Seattle WA FHA Lenders for Credit Scores Between 600-620 Options

I know that FHA will allow credit scores within the 600-620 range but I am not aware of any lenders in the Seattle area that do. If you can close a loan within the aforementioned parameters or know someone who can, please comment. by tomtom_202_564 from Seattle, Washington. Feb 10th 2012 Reply


Chad Scott (ChadScott)
#12 ranked lender in Washington - 10 contributions

Yes, I can depending on what is causing the lower score. Give me a call at 425.954.0024 and we can discuss.Chad

Feb 10th 2012
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Paul McFadden (paul.mcfaddenmortgages@gmail.com)
#42 ranked lender in Washington - 45 contributions

There are a handful of places that will do these with a credit score in this range. You are welcome to contact me at (425) 818-2251. Thanks!Paul

Feb 10th 2012
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

Hey Tom... there are lenders who lend to credit scores below the 620 range, however, the lower the score, the more strict the guidelines are... in other words, it's not just the credit score that keeps you from purchasing / refinancing a home.. it's the entire profile... best bet is to contact a local mortgage broker, not a bank... and apply with them... brokers have access to a vast number of lenders and can find the right one for your particular scenario... WilliamAcres.com

Feb 10th 2012
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Bert Carpenter (BertCarpenter)
#37 ranked lender in Arizona - 1,828 contributions

There are multiple investors/lenders that have programs that allow scores in the range you are in. The biggest issue will probably be why your score is here. Contact a local Mortgage Banker/Broker, rather than one of the big banks. 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. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is 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 ~ www.LoansA2z.com

Feb 10th 2012
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Dave Skow (daveskow)
#16 ranked lender in Washington - 281 contributions

Tom ..hi there ...hope all is well ...try Wells Fargo , Guild or Eagle ( all should be able to handle this score on a purchase loan )....my firm requires a mn 620 unfortunately ...Take care ...Dave Skow

Feb 10th 2012
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Hi!We're you able to get approved for a home loan?Thanks!

Nov 10th 2019
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