Zillow Advice RSS: Question-Discussion-Guide,FHA and VA Loans,ME http://www.zillow.com/advice/ME/mortgage-fha-and-va-loans/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate FHA loan with 580 - 590 credit score http://www.zillow.com/advice-thread/FHA-loan-with-580-590-credit-score/525725/ Prospect Mortgage does loans with a minimum of 580, and we close them consistently. The keys to approval on these loans is that the problems are in the past and not current problems, and we need to show that in addition to the down payment and closing costs, you will need to show you have at least 2 months of the payment in reserves. All the cash can come from a gift.<br \><br \>0 replies Sun, 26 Jan 2014 19:42:00 GMT http://www.zillow.com/advice-thread/FHA-loan-with-580-590-credit-score/525725/ 2014-01-26T19:42:00Z I live in maine. I have a score of 594, will anyone deal with us without needing 20% down? http://www.zillow.com/advice-thread/I-live-in-maine-I-have-a-score-of-594-will-anyone-deal-with-us-without-needing-20-down/459751/ You may not be able to qualify for a loan at this time, however a lot of the lenders that we suggest to our clients will help coach them into a better score so that they can become qualified. We are currently working with some clients who had a forclosure on their record, and within a matter of a few months our lender was able to coach them into improving their score enough to qualify for a mortage. My suggestion to you is to ask your agent for a list of recomended lendors in the area, and apply for a mortgage. If you don't qualify at this time just ask them what you can do to become qualified!!<br \><br \>0 replies Thu, 13 Sep 2012 18:39:00 GMT http://www.zillow.com/advice-thread/I-live-in-maine-I-have-a-score-of-594-will-anyone-deal-with-us-without-needing-20-down/459751/ 2012-09-13T18:39:00Z