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I have a 642 credit score and my husband has a 572...can we qualify for a mortgage loan?

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February 12 2013 - Dallas
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Answers (8)

Profile picture for 16920annesleygirl
i would like to know where t ogo for low cr edit score mortgages, we have been threw chapter 7 discharge may of 2011  established credit since,, but also dealing with credit fraud on our reports. We cant not get it cleared!
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February 19 2013
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thank you all for your answers..helps quite a bit!!
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February 19 2013
Profile picture for Go Huskers
"You can, but unfortunately your husband cannot.  A minimum of a 620 qualifying score is required. "
----
Jenna, that's simply untrue. Maybe YOU cannot, but that doesn't mean it cannot be done.

Love your reviews BTW.
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February 13 2013
There are banks that would give you a loan. However, you might have to pay higher interest rates or points. 
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February 12 2013
Hubby is pretty close.
There are programs that go as low as 580 - 600 for FHA.
Your loan officer should be able to tell you what needs to be done to get the score up real quick.
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February 12 2013
There are banks that have programs for lower credit scores. But get all your numbers together and make sure you are ready to buy at this time.
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February 12 2013
You can, but unfortunately your husband cannot.  A minimum of a 620 qualifying score is required.  Can you qualify for the loan on your own?  If not, you will need to consider ways to repair his credit before buying.
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February 12 2013
You can, he will need some work.  Sometimes that work can be easy and simple other times, not so much just depends.   Who is the bread winner?
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February 12 2013
 
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