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What is the minimum credit score to get a mortgage loan

by dori.cichon560 from Evans City, Pennsylvania. Jan 9th 2015 Reply


Hello DoriWe can work with clients who have as low as a 600 score depending on what their credit looks like.Thanks

Jan 9th 2015
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I can do as low as 580 but you need some cash

Jan 9th 2015
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#29 ranked lender in New York - 2,236 contributions

550 for FHACall us or email us at 800-991-5309 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! Check us out at www.BestMortgageOption.comAsk us about the awesome discounts we offer heroes as a Homes for Heroes affiliate!

Jan 9th 2015
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Linda Wintersteen (Linda123)
#64 ranked lender in Arizona - 1,250 contributions

I can go as low as 500,

Jan 9th 2015
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,224 contributions

Generally 620 for a conventional loan, lower for FHA, but below 600 expect a difficult approval regardless of the lender.

Jan 9th 2015
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Sean Young (SeanYoung)
#2 ranked lender in Colorado - 1,106 contributions

There are lenders out there who can go as low as 500, however the credit score is not the final rule and it will depend on your total credit picture. Not many lenders can go this low, but as your score increases you will find more options. For example 565 will give you more options, 580 will give you even more and the down payment will go down to 3.5% on an FHA loan if you qualify. Best wishes, Sean

Jan 12th 2015
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