Zillow Advice: Mortgage - 620 credit score trying to get an FHA loan http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ Zillow Advice | Zillow Real Estate Doesn't really sound like ... http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ Doesn't really sound like a problem.&nbsp; FHA doesn't require a credit score, but lenders often set the score where they are comfortable with.&nbsp; More and more lenders will go down to a score of 580, but they add some stipulations to your loan.&nbsp; Depending on your state, I would contact a local lender and find out what their program guidelines are.&nbsp; :) Tue, 14 Jan 2014 17:25:00 GMT http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ 2014-01-14T17:25:00Z My company can go as low ... http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ My company can go as low as 600 for an FHA loan. 640 is Quicken's overlay above and beyond what FHA requires.&nbsp; Tue, 14 Jan 2014 15:00:00 GMT http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ 2014-01-14T15:00:00Z Those credit scores are certainly ... http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ Those credit scores are certainly acceptable for different loans! The lowest that lenders like myself are able to do is around 580-620, depending on the type of loan. Since you are above that range you will have a good chance at obtaining a loan and you will have several different options available to you.&nbsp;It's also important to understand that your ability to obtain a loan relies on other factors as well. These factors include income, expenses, assets, liabilities, debt, employment, down payment, as well as credit scores.&nbsp;The best thing for you to do is to speak with a lender such as myself to see if you can get started on financing a new home.&nbsp;If you have any further questions or if you would like a loan, feel free to contact me.<br/><br/>Good Luck! Mon, 13 Jan 2014 23:24:00 GMT http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ 2014-01-13T23:24:00Z Some lenders will go as low ... http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ Some lenders will go as low as a 620 mid-credit score, but your mid score is 618.&nbsp; You are very close.&nbsp; I would recommend talking with a lender about paying a few things off or seeing what it is that is pulling your credit down.&nbsp; Some lenders are willing to help with advice and doing a rapid re-score of your and your wife's credit, sometimes pulling up the rate 40 points in a month.&nbsp; Don't despair, it may just be right around the corner for you.&nbsp; As for your work history, that is good.&nbsp; Having continuous employment in the same industry for 2 years minimum, should certainly help in the whole scheme of things. Sun, 12 Jan 2014 23:58:00 GMT http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ 2014-01-12T23:58:00Z The only thing that makes ... http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ The only thing that makes me wonder if it will work out is that I just moved to my new job 4 months ago. I worked my previous job before that for over 2 years and my wife has worked at the same law firm for over 3 years but I didnt know. Sun, 12 Jan 2014 23:08:00 GMT http://www.zillow.com/advice-thread/620-credit-score-trying-to-get-an-FHA-loan/524234/ 2014-01-12T23:08:00Z