Credit Score in Florida : Real Estate Advice

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pulgan, Home Seller in Englewood, FL
pulgan answered:
I have a credit score of 586 does that make I impossible to rent? I have good references from prior landlord
I have had rentals for many years in Florida and I think within a few years, rents will be way too much for the average worker to afford. In San Jose, CA the average house is heading to ... more
0 votes Share Flag Sat Apr 16, 2016 Credit Score in 32164
Bluiis923, Home Buyer in Ocala, FL
Bluiis923 asked:
Will some back IRS issues (didn't file an income tax return 2012 & 2013 but doing it now) kill my mort application? My father died in Feb 2012 and I didn't file that year or the next. I was so grief stricken (he was my best friend too) I just didn't care. Now, I have applied for a mtg and discovered…
0 votes Share Flag Fri Apr 8, 2016 Credit Score in Florida
Kaitlin Rae, Real Estate Pro in Fort Myers, FL
Kaitlin Rae answered:
Credit ratio and options
Hi Ms. Figgs,
Here are some tips on maintaining and boosting your score:

Don't open a new line of credit-just don't do it!

BUT- don't close your accounts because then you will be ... more
0 votes Share Flag Mon Mar 14, 2016 Credit Score in 33908
Invstnlfp, Home Buyer in New York, NY
Invstnlfp answered:
Is it possible to get a non-FHA loan with a poor credit score (600) ?
I am state and federally licensed to write mortgages in 31 states, I work for a direct lender in the mortgage industry who offers conventional, FHA, VA, and USDA loans. We keep your inf ... more
0 votes Share Flag Sun Mar 6, 2016 Credit Score in 32708
Isaiah Y., Real Estate Pro in Rockford, IL
Isaiah Y. answered:
i just want to know what my credit score is
Go check out Home Loans For All. On their homepage is a banner for their partner FreeScore360. Through that you can access your credit score and credit profile. They can also find you t ... more
0 votes Share Flag Wed Feb 24, 2016 Credit Score in Clearwater
Samira2424, Home Buyer in New York, NY
Samira2424 answered:
how long will it take to raise my credit score from 480 to 680,(legitimately)..?
Please don't be discouraged, there are ways to rebuild your credit, 483 is bad, but with some minor adjustments you can rebuild your credit, I just closed on my home, my credit sco ... more
0 votes Share Flag Sat Dec 19, 2015 Credit Score in Fort Lauderdale
Edmund Garey, Home Buyer in Riverdale, GA
Edmund Garey answered:
I would like to refinance a condo in Village east fortl auderdale. Can i get a FHA Loan?
Yes you can, my name is Edmund garey, licensed florida loan officer. Through FHA you can with a 580 credit score with 3 1/2 percent down. Which can come from down payment assistance, th ... more
0 votes Share Flag Wed Dec 16, 2015 Credit Score in Fort Lauderdale
Gerald Feens…, Real Estate Pro in Grand Rapids, MI
Gerald Feenstra answered:
Do you assist with credit scores that are poor?
I would recommend reaching out to a lender in your area. They will be able to get you in touch with the proper resources to help build credit or possibly get a loan with the credit you ... more
0 votes Share Flag Mon Nov 30, 2015 Credit Score in 34741
Josh Lund,  in Minneapolis, MN
Josh Lund answered:
What's the best way to build my credit to buy a house, I can't get anything because everyone is saying I have no credit
Hello Dylan2004,
Good afternoon.

The best way to build credit would be to get a car loan and maybe 2 credit cards at them most. Then pay your car payment on time every month. Also ... more
0 votes Share Flag Mon Nov 23, 2015 Credit Score in Tallahassee
FHA Mortgage…, Other/Just Looking in Jacksonville, FL
FHA Mortgage Source answered:
Can anyone recommend a mortgage broker in Florida who will do an FHA loan with a 637 credit score?
Most lenders will do FHA down to 620 score, some even lower with 5%+ down payment. Please contact us below to learn more..

FHA Mortgage Source
Florida FHA loans, 7 days a week
Ph: ... more
0 votes Share Flag Mon Nov 9, 2015 Credit Score in Port Saint Lucie
 1941GER, Real Estate Pro in Tampa, FL
1941GER answered:
FHA loan with 585 credit score in Jacksonville, FL
Good Day My Dear,

Happy New Day to you,
How are you today including all our daily activities, I guess all is fine with you
I would like to apply through this letter for your expres ... more
0 votes Share Flag Sat Aug 22, 2015 Credit Score in Jacksonville
Ejputnam70, Home Buyer in New York, NY
Ejputnam70 answered:
suggestion to rental companies that work with damaged credit?we make more than enough to afford rent just rebuilding credit mistakes...thanks!
I am try to buy a house for 15,000.00 pay 70.00 mo to buy it off in st.joseph mo
0 votes Share Flag Fri Aug 14, 2015 Credit Score in Daytona Beach
Five Stars M…, Other/Just Looking in Jacksonville, FL
Five Stars Mortgage answered:
Is having a middle score of a 630 good?
You should have some options with USDA and/ or FHA. Contact us to discuss in detail.

Five Stars Mortgage - Florida's leading mortgage resource
Ph: 800-871-2636
1 vote Share Flag Sun Jul 19, 2015 Credit Score in Tampa
George Dudley, Real Estate Pro in Tampa, FL
George Dudley answered:
my credit score is 613, all my accounts are 100% on time but i only have 4 credit accounts, how much trouble will i have getting a mortgage?
Did you have success in getting pre-qualified? your score is a little low however the approval is best on other comments. that being said, with the debt all being maxed out it could rai ... more
0 votes Share Flag Tue Jul 14, 2015 Credit Score in Tampa
Budd Morris, Real Estate Pro in saint petersburg, FL
Budd Morris answered:
Can I get a VA loan with just over 600 Credit score and one 30 day late payment in the last three months?
Yes
Tat is not a problem. I am closing two this month.
Please call or email me
0 votes Share Flag Thu Jul 9, 2015 Credit Score in 33709
Melvin List, Real Estate Pro in Tampa, FL
Melvin List answered:
My loan was denied by the loan officer based on my credit (570's - didn't expect it to be this low) but I have high income and little
I would reach out to a local mortgage broker. Most brokers have access to either lenders with no overlays or Alternative documentation programs.

Thank you,
Melvin List
Licensed Mo ... more
0 votes Share Flag Thu Jun 25, 2015 Credit Score in Clearwater
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
My credit score is 560. The house is single family house, 39,000...doing the ship program for our down payment. How come no one will work with me??
Lisa,
I don't know about the ship program, but a credit score of 560 indicates a history of financial troubles. Lenders generally won't begin to consider someone lower than a 580 and ... more
0 votes Share Flag Thu Jun 25, 2015 Credit Score in Spring Hill
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