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Kyle Kelly

Purchase Loan,
Home Equity


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Seeking mortgage with a 592 (and rising) credit score


First off, best of luck with your house hunting. Enjoy it, it's a great time! As a majority of lenders have answered previous to me, there are multiple different scenerios and programs which would suit your current situation. It is possible to get approved for a mortgage in your current credit situation, but also highly suggest working on your credit score. Your credit score is made up of several different factors ( Payment history (35%), Amounts owed (30%), Length of credit history (15%),Types of credit in use (10%), New credit (10%)). You would be amazed how much your score can increase with proper knowledge. I am a local Philly resident/mortgage lender myself and would appreciate the chance to speak with you in the near future. Call or shoot me an email and I will be more than happy to assist.Kyle