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currently on ssi and wife works can we get a fha with score of 646 and no down payment

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July 25 2013 - Erie
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Please contact me to discuss your various options.  646 mid fico is a decent score, and could be eligible for an FHA or USDA loan!

John Cushma
NMLS #847424
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August 09 2013

Also, you can ask the Seller to pay up to 6% towards closing costs and or pprepaids to get to you the No Money Down issue without using USDA. Having a Seller do this will depend on your offer and the demand for the property.  As your Realtor about the best way to structure your offer.

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July 26 2013
If you live in an area designated as "rural" by USDA, you may qualify for a USDA loan which requires no down payment and accepts that credit score. Also a VA requires no down payment, and sounds like it might work for you, but you need to prove adequate military service.
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July 26 2013
FHA requires a 3.5% down payment.  As long as your wife's credit scores are okay than you could go with an FHA loan
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July 25 2013
 
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