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fico score

My credit score is 635 can I get approved for  a mortgage loan

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February 15 - US
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Probably, but FICO score alone is not the determining factor, it is only one component.  Lenders look at income, ability to repay, debt to income ratio, employment status and other factors.  Most lenders and agents will be happy to have an in depth discussion with you about your qualifications.  But the best way to know if you qualify and for how much is to speak with a qualified mortgage banker or mortgage broker in your area and have them pre-approve you.  Then you can go shopping for a home.  There is no cost (or should not be any) so if you are serious this will be your best path.
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February 15
Hello

With a credit score of 635 you should get approved for a mortgage with possibly a little higher interest rate. Getting approved though, will also depend on your debt to income ratio and  if you have had an issues in the past with your credit. If you need assistance finding a good loan officer, please contact me and I can give you a few different options.

Best of luck

Joe
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