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Credit score of 606, 33 years at my job. Will I be able to get a mortgage?

I filed bankruptcy in 2002, make 47K/year and only have one credit card with a $200 balance.  Will I be able to get a mortgage?
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February 06 2012 - US
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Answers (3)

You can get an FHA loan with a score over 580 but you'll get a better interest rate if you're over 640. I'm not a credit expert but you might want to open up another credit card. Something like a Visa or Master Card & make sure you use it often and pay it on time. Within 90 days you should see a dramatic increase in your score. The difference in interest rate would be around .5%

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February 06 2012
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Thank you, are you able to recommend someone in the Western PA area?  Or would my credit union do such a loan?
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February 06 2012
Try to go with an FHA loan, they allow for low credit scores down to 580.
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February 06 2012
 
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