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What can I do to get more (or better) quotes for my loan request ZR-MDDJQWJ?

Credit score right at 600 or just above.  First time home buyer with little or no money down.  Will I have any luck with a lender?
  • November 25 2012 - Woodbridge
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Answers (3)

I agree with your answers so far, work on increasing you scores. The higher your scores, the more options and choices you will have.

I also notice on your loan request, you show scores of 640-659. If your scores are really at 600, any loan quotes you get based on 640-659 will be a waste of time for both you and the lenders quoting them.

You have also shown a loan % of 96.625%, a higher LTV than allowed for FHA financing. There are no lenders able to quote you LTV's at 96.625%

Best wishes, Jim
  • November 27 2012
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Ask your lender if you can speak with a credit counselor or if they can recommend one to you. Often times, you could be right on the line of prequalifying and a few fixes could boost you right up. Don't try to shop around too much for lenders and ask friends and family if they could recommend a lender to work with if you do not have one already. 
  • November 25 2012
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Profile picture for wetdawgs
600 credit score may be too low to get quotes.   Work to get it > 640, and plan on at least 3.5% down payment,.

  • November 25 2012
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