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Lenders/Realtors who work best w/ First Time Owners w/ Bad Credit

My husband and I have been working really hard to own our first home, but we have bad credit due to things in the past :-(  What lender would work with us and how can I find a realtor that is good with working with first time home owners

  • May 29 2012 - Mechanicsburg
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Answers (7)

hopefully their credit has improved in the almost 1.5 years since this question was posted!
  • September 20 2013
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They have a credit score from May 29 2012.
  • September 20 2013
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What exact credit score do you have? There are lenders like myself that are able to give out loans with credit scores as low as 580. If you are above this, then you may have a chance. Otherwise, I really suggest you work on bringing up your credit first. The most effective way to fix your credit score is by paying off your revolving credit balance and debt on time. Another thing to realize is that credit scores are not the only factor that will affect your ability to obtain a loan. The are other factors as well including your income, expenses, assets, liabilities, debt, down payment, employment, etc. Either way, I recommend you speak with a lender. Lenders would be glad to speak with you to help you get a home loan. There are lenders out there that can work with low credit scores, you just have to find them.

Well I hope this helps! If you have any other questions or need a loan please contact me through the information on my profile page.

Good Luck!
  • September 20 2013
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There are plenty of Brokers out there that can work with low credit levels. I suggest putting a plan together and work your way to recovery immediately. As for realtors, I suggest asking friends and family if they have worked with anyone in the past and how their experience was. 

Start planning now and your future should be bright.
Good Luck!
  • September 20 2013
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Profile picture for Brookstone Mortgage
"There are so many shady Lenders that claim they can do loans with not so great credit then they disappear!"
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... and then there are the shady lenders that pretend to be consumers when in fact they are just desperate loan officers that post SPAM in an attempt to drive traffic. 


  • September 19 2013
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[Promotion and website deleted by Zillow moderator. Please see our Good Neighbor Policy.]
  • September 19 2013
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Profile picture for wetdawgs
Welcome to Zillow.

Realizing your dream of home ownership has a number of steps.   

Credit:  do you know your credit scores?    Do you have an action plan to improve them? 

Have you saved up a good down payment, closing costs as well as home slush fund for post purchase?



  • May 29 2012
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