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I can afford a home, but what can I do to get a loan with my poor credit?

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October 15 2009 - Dickinson
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Answers (4)

Profile picture for snewmyer
With a 630 credit score, you can be eligible for an FHA with a good debt-to-income ratio.  An FHA loan will require at least a down payment of 3.5%.  Currently, a credit score above 620 can be eligible for an FHA and at times there are exceptions.  The importance is to keep your credit score up and doing the right things to continue to build your credit.

Steve
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October 15 2009
Profile picture for daveskow
an FHA might work ...I know in Washington state  you would have a chance ....check with some local mortgage companies or banks on this idea
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Profile picture for krwalker
When I checked about 2 months ago it was 630
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October 15 2009
Profile picture for daveskow
what are your credit scores ?
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October 15 2009
 

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