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wat kind of mortgage can i get with a 690 fico

i'd like to have va but i am not in the military. my girlfriend was in the navy for 12 years. if we both live in the house can we use va. please let me know

by kurtrunstead8349755 from Syracuse, New York. Mar 31st 2014 Reply


Thomas J. Liolos (tliolos)
#38 ranked lender in New York - 16 contributions

Unfortunately - since she is the only one with the Military background - she would have to be the person to qualify and to purchase the property (As long as she is eligible for a VA mortgage). There are a few programs that you qualify for - feel free to give me a call at (716) 932-7896 x102 and we can go through them!Thomas J. LiolosNMLS#: 48774Branch ManagerParagon Home Loans

Mar 31st 2014
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SHAHROKH CHARLES BEROKHIM (mortgageusa)
#87 ranked lender in New York - 68 contributions

if the credit score is your only concern, THERE IS NOTHING TO BE CONCERENED.you can have conventional or FHA depending how much of tax deduction do you need.call me if you need to talk 516.728.5212

Mar 31st 2014
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Dave Metsker (DaveMetsker)
#36 ranked lender in Oregon - 2,318 contributions

You can use both incomes on an FHA loan (no marriage required), if both scores are good, as yours is. The VA loan requires marriage, if your income is needed.

Mar 31st 2014
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

VA does not allow co-borrowers, so to be able to use your income and credit, you would also need have VA benefits available to you. If not, then she would have to qualify on her own. She would have to have sufficient credit, credit scores, job, income, debt to income ratio's, etc, etc.. FHA allows for co-borrowers, and they only require 3.5% down payment.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Mar 31st 2014
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Michelle Curtis Loan Originator NMLS 401173 (MichelleCurtisLO)
#77 ranked lender in Florida - 2,245 contributions

Your score qualifies you for almost all mortgages available. For VA you would have to be married to utilize your girlfriends VA eligibility. Give me a call and I can go over in more detail what your options may be. 800-991-5309 Michelle

Mar 31st 2014
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Robert Hanson (rhanson)
#38 ranked lender in Maryland - 646 contributions

Previous answers indicating that you can't get a VA loan with an unmarried co-borrower are not entirely true. You can do this, however, the VA benefit will be halved meaning that you will likely have to make a 12.5% down payment. If you can di this, VA may be your best option. If you can't put this much down, then FHA (3.5%) or conventional (5%) may be the best route for you. Make sure that you work with an experienced lender that will lay out all your options AND go over all the pros and cons of each with you. Not everyone is up on all the details of all the available programs. 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

Apr 1st 2014
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