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My credit score is 628 and my husband's is 780. Any lenders who will give us an FHA loan?

We live in Virginia.
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May 20 2013 - Richmond
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Answers (8)

I have two lenders that will do an FHA loan down to a 580 credit score at the going interest rate. You should do some shopping......
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May 26 2013
My company go down to 620 in house. Please let me know if I can give you a referral to a local Loan Officer.
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May 26 2013
Pay off your credit cards and rapid rescore the balances, it'll push you past the 640 mark.
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May 25 2013
Is it possible for just your husband to be on the loan alone? If so, that might be a great way to go. Otherwise, your best bet is to increase your credit score to 640. There may be a couple of things you could do to raise it. Yes, some lenders will do FHA down to a 620 credit score but it may cost you more. On the other hand, you may be able to raise your score to above 640 within 30 days if you have the time. I wish you well!

Paul
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May 23 2013
Talk with a local lender and see what they can do, it should be a free & no obligation process for you.  If you don't qualify for the loan you are looking for now, they can help you with a blueprint of what to work on so that you can obtain the loan in the future.

Next step, find a local Realtor and start a relationship.  Good luck.

Spirit
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May 23 2013
I can do FHA DOWN TO 620,I AM LOCATED IN Virginia, PLEASE FEEL FREE TO CONTACT ME THROUGH MY PROFILE FOR FURTHER INFORMATION
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May 23 2013
We are licensed in VA and we go down to 620. Please feel free to contract me.
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May 20 2013
If credit scores were the only criteria, the answer would be a resounding yes, however, there are many more criteria used to qualify you for your FHA mortgage.
Since your scores are starting out so low, it would be wise to pick one lender and work with them to get qualified.
Best wishes, Jim
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May 20 2013
 
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