Zillow Advice: Credit Scores - help http://www.zillow.com/advice-thread/help/416500/ Zillow Advice | Zillow Real Estate Judgement must be paid first. ... http://www.zillow.com/advice-thread/help/416500/ Judgement must be paid first. Try to increase your mid&nbsp;credit score to above a 620 and FHA would be the best option for a loan with only 3.5% min down. Thu, 22 Sep 2011 06:42:00 GMT http://www.zillow.com/advice-thread/help/416500/ 2011-09-22T06:42:00Z Pay off the judgment, unless ... http://www.zillow.com/advice-thread/help/416500/ Pay off the judgment, unless it is inaccurate.<br/>Raise your score to a minimum of 600.<br/>Find a good lender and they will steer you in the right direction.<br/>FHA is the way to go for you. Wed, 21 Sep 2011 22:59:00 GMT http://www.zillow.com/advice-thread/help/416500/ 2011-09-21T22:59:00Z Interview them to make sure ... http://www.zillow.com/advice-thread/help/416500/ <em><strong>Interview them to make sure they do a ton of business,</strong></em><br/><br/>speaking as one of those; don't waste your time,. the ones with "a ton" of business aren't going to spend the time on those scores. Pay the judgment and then work with a competent LO, but one who doesn't do "a ton" of business and might thus spend time on helping you. Wed, 21 Sep 2011 20:22:00 GMT http://www.zillow.com/advice-thread/help/416500/ 2011-09-21T20:22:00Z Judgement is going to kill ... http://www.zillow.com/advice-thread/help/416500/ Judgement is going to kill your loan. &nbsp;Have to be zero balance on that. &nbsp; Wed, 21 Sep 2011 19:52:00 GMT http://www.zillow.com/advice-thread/help/416500/ 2011-09-21T19:52:00Z I would recommend speaking ... http://www.zillow.com/advice-thread/help/416500/ I would recommend speaking with a local mortgage broker who does a lot of loans.&nbsp; Not someone who does 10 loans a year, but someone who does 100 loans a year.&nbsp; <br/><br/>Interview them to make sure they do a ton of business, and then when you find someone who does a lot, they should be able to tell you your realistic chances of obtaining a loan.<br/><br/>Without other pertinent information, any answer anyone would give you would be&nbsp;a guess.&nbsp; So that's why you will need to talk with someone like a mrotgage broker or a bank.<br/><br/>Talking with someone and having them to the work to see whether you qualify will not cost any money, and will give you a real answer as to whether you qualify or not.<br/><br/>Hope this helps, and good luck!<br/> Wed, 21 Sep 2011 19:15:00 GMT http://www.zillow.com/advice-thread/help/416500/ 2011-09-21T19:15:00Z you may try FHA, the judgment ... http://www.zillow.com/advice-thread/help/416500/ you may try FHA, the judgment would have to be paid off Wed, 21 Sep 2011 19:10:00 GMT http://www.zillow.com/advice-thread/help/416500/ 2011-09-21T19:10:00Z