Zillow Advice: Home Buying - Looking for advice to buy a home with credit score of 641. http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ Zillow Advice | Zillow Real Estate I suggest that you meet at ... http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ I suggest that you meet at least with two mortgage brokers and maybe a credit union to discuss your personal financial profile.&nbsp; The best of luck! Wed, 03 Oct 2012 19:41:00 GMT http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ 2012-10-03T19:41:00Z There are several&nbsp;lenders ... http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ <p>There are several&nbsp;lenders that will provide financing for borrowers with a middle score of 640.&nbsp; SInce you have a few charge offs on your credit report, you want to seek out an FHA loan that allows for bumps and bruises on your credit history.&nbsp; Depending on the amount of the charge off the lender may require that you pay them off prior to closing or have an established payment plan with the creditor.&nbsp; Seek out a mortgage professional that can review your credit history and give you guidance on an FHA loan.</p> Wed, 03 Oct 2012 17:23:00 GMT http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ 2012-10-03T17:23:00Z My recommendation, as a first ... http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ My recommendation, as a first step, would be to find a good Lender in your area have them evaluate your credit history and they should be able to guide you toward a new purchase. Based on your current credit scores and income you should qualify even with previous challenges. FHA type loan is probably the best route since they are more lenient with lower credit scores. I would also recommend teaming up with an experienced Realtor to help with the purchase. Good luck! Wed, 03 Oct 2012 17:22:00 GMT http://www.zillow.com/advice-thread/Looking-for-advice-to-buy-a-home-with-credit-score-of-641/462483/ 2012-10-03T17:22:00Z