Zillow Advice: Mortgage - Are there any lenders out there lending to people with less than perfect credit? http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ Zillow Advice | Zillow Real Estate We can lend to clients with ... http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ We can lend to clients with scores as low as 530 with FHA and VA.<br/><br/>We have multiple investors with different guidelines that we can utilize.<br/><br/>If any clients have questions or need help, I am here to help.<br/><br/>Out bank has been open since 1905 and we are a direct lender, as well as a broker. &nbsp;So we have the best of both worlds.<br/><br/>Thanks and take care! Fri, 13 Sep 2013 19:36:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-13T19:36:00Z Well what exactly do you ... http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ Well what exactly do you mean by less than perfect? Luckily, there are lenders like myself that are able to give out loans with credit scores as low as 580. If you consider that less than perfect that yes! Anything less than that can be very hard to find a lender for.<br/><br/>Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me.<br/><br/>Good Luck! Fri, 13 Sep 2013 18:58:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-13T18:58:00Z A good Mortgage Specialist ... http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ A good Mortgage Specialist will take the time to review your credit report with you in detail. &nbsp;In doing so, you may see opportunities to get some old information updated, get something corrected and/or notice any errors on your report. &nbsp;This step can take 15 minutes for the review and perhaps an hour of your day to write and send some letters or make some calls. &nbsp;Improving your credit has more importance than qualifying for a mortgage - it affects insurance costs, gets reviewed by many employers and has a direct impact on your cost of credit.<br/><br/>As some of the other posts indicate, it is possible to get FHA financing with less than perfect credit, but the better conventional programs generally require a 660 credit score. Fri, 13 Sep 2013 12:14:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-13T12:14:00Z Maybe repair the credit to ... http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ Maybe repair the credit to a higher level before purchasing. Conventional vs. FHA rates over the course of an amortization schedule can amount to a scary number. Especially when you consider FHA mortgage premiums.<br/><br/>But even in a low credit situation, it can still be cheaper than renting. Especially in the Twin Cities where rent is outrageous. Fri, 13 Sep 2013 03:00:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-13T03:00:00Z Absolutely!&nbsp; As low ... http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ Absolutely!&nbsp; As low as 580 credit score but would need compensating factors Thu, 12 Sep 2013 23:21:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-12T23:21:00Z My lender can do 580 http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ My lender can do 580 Thu, 12 Sep 2013 23:08:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-12T23:08:00Z You'll find many lenders ... http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ You'll find many lenders providing FHA financing for those with FICO mid scores at 640 or above.&nbsp;&nbsp; 640 is far from "perfect credit".&nbsp; <br/><br/>Did you have another definition in mind?<br/><br/> Thu, 12 Sep 2013 22:30:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-12T22:30:00Z What is the scenario? http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ What is the scenario? Thu, 12 Sep 2013 22:28:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-out-there-lending-to-people-with-less-than-perfect-credit/511108/ 2013-09-12T22:28:00Z