http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ Zillow Advice | Zillow Real Estate http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ Several <a href="http://www.zillow.com/directory/lenders/">lenders</a> still go down to 600 on VA.&nbsp; Wells Fargo is an alternative, too.&nbsp; You still have to have the credit tradelines, ratios, etc...&nbsp; But minimum score requirements are 600. Wed, 16 Sep 2009 11:51:00 GMT http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ 2009-09-16T11:51:00Z http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ bank of america.&nbsp; They purchased countrywide, and the minimum score with that firm had been 600.&nbsp; You can also go&nbsp;for the va <a href="http://www.zillow.com/mortgage/">loan</a> that guarantee allowance enables you&nbsp;for zero&nbsp;down payment on a 160,000-250,000 dollar house&nbsp;if I&nbsp;recall correctly. Check with the <a href="http://www.zillow.com/directory/lenders/">lender</a> for more information.<br/><br/>If your debt to income is low,&nbsp;and you are making payments on time.&nbsp; Your credit score should improve.&nbsp; Citibank offers a credit analyzer that allows you to enter&nbsp;the particulars of paying off debt, making&nbsp;payments on time,&nbsp;etc and how that will&nbsp;effect your credit score. &nbsp; Wed, 16 Sep 2009 06:12:00 GMT http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ 2009-09-16T06:12:00Z http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ Thank you for your replies. We got our credit pulled a year ago and have no recent deliquent charges at all for a few years now but credit score has not gone higher. We were told debt to ratio was great just credit score did not qualify. Fri, 12 Jun 2009 16:59:00 GMT http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ 2009-06-12T16:59:00Z http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ You need to talk to a professional and qualified lender.&nbsp; Make sure you have a current credit report pulled.&nbsp; You'll need to get your score a little higher to qualify for FHA but you are not too far off.&nbsp;If you have the desire to own a home, and it sounds like you do, then start the process through a lender.&nbsp; Once you know your buying power, contact a real estate agent that can help you locate the right property and negotiate the best deal for you.Feel free to email me directly with any specific questions - <a href="mailto:samantharealty@comcast.net" rel="nofollow">samantharealty@comcast.net</a>Best of luck! Thu, 11 Jun 2009 15:57:00 GMT http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ 2009-06-11T15:57:00Z http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ Usually VA and FHA loans in this market are requiring a 620 middle credit score or higher. When did you have your credit pulled last?<br/><br/>I would suggest calling Jason Phillips. He is a confirmed Zillow Lender and can answer your questions further and guide you into buying a home.<br/><br/>jason@jasonhphillips.com<br/><br/><a href="http://www.zillow.com/profile/TX-Mortgage-Expert/">http://www.zillow.com/profile/TX-Mortgage-Expert/</a><br/> Thu, 11 Jun 2009 15:35:00 GMT http://www.zillow.com/advice-thread/My-husband-has-a-credit-score-of-604-we-currently-leasing-and-would-like-to-buy-a-home/244922/ 2009-06-11T15:35:00Z