Credit Score in Georgia : Real Estate Advice

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June Buerkle, Home Buyer in Chattanooga, TN
June Buerkle answered:
My credit score is 450. Can I buy a house?
Yes, if you pay with 100% cash.
0 votes Share Flag Thu Apr 28, 2016 Credit Score in 30809
Guyneb, Home Buyer in Clarksville, TN
Guyneb asked:
What is the absolute lowest credit score one may get a home loan and what % down payment would be required? Where should one start looking? Ability to pay a loan payment is not an issue - rough circumstances have caused the situation.
0 votes Share Flag Thu Apr 28, 2016 Credit Score in 30742
DancrDave2, Home Buyer in Ringgold, GA
DancrDave2 asked:
Low credit rating Is it possible to buy a house with a credit rating of 580? If so, what programs are available to help?
0 votes Share Flag Fri Apr 22, 2016 Credit Score in Ringgold
Moorecelena, Home Buyer in New York, NY
Moorecelena asked:
can I get a loan with credit in 500 plus range ? i want to pay all our debt so we can get a better rate when buying investment properties .
0 votes Share Flag Wed Apr 20, 2016 Credit Score in 30044
Solomon Gree…, Real Estate Pro in Duluth, GA
Solomon Greene answered:
can I get pre approve with a credit score 666 and down payment asst.?
Hey Josh,

There's so much more involved in one's credit approval than their credit score. The entries in your credit file, length of employment, type of employment (w-2 or w-9), tax ... more
0 votes Share Flag Sat Mar 26, 2016 Credit Score in Atlanta
Ardhm55, Home Buyer in Atlanta, GA
Ardhm55 asked:
I had a soft quote of my credit score run for a loan I was doing on line, they used your company for the score. To do so I had to pay $1.00 . I was suppose to receive information to cancel the monthly fee if I did not want to continue with the monthly program. I did not receive any information to cancel. As of this morning (1-16-16)…
0 votes Share Flag Sat Jan 16, 2016 Credit Score in Woodland Hills
Samira2424, Home Buyer in New York, NY
Samira2424 answered:
does bad credit keep us from getting our second home?
I used a company call Approved Credit, www.approvedcreditconsultants.com because of their service my credit score is now a 740, there email is info@approvedcreditconsultants.com she off ... more
0 votes Share Flag Fri Nov 20, 2015 Credit Score in Atlanta
Jeri Patrick, Real Estate Pro in Pooler, GA
Jeri Patrick answered:
what is the credit score that you need in buying a home for first time buyers.?
I would contact a local lender to see what type of loan you can qualify for. Best of luck
0 votes Share Flag Wed Sep 2, 2015 Credit Score in Atlanta
Megan Miller, Home Buyer in Fresno, CA
Megan Miller answered:
Can I get a home loan with a 575 credit score and a discharged bankruptcy (about 2 yrs old) on my record? Willing to put 10 to 15% down
You need a 580 credit score for FHA, so you're close. Maybe there are a couple easy things you can do credit wise to get your score up 5 points pretty quick. (paying down cards, etc) Ch ... more
1 vote Share Flag Fri Aug 21, 2015 Credit Score in Lizella
Jeri Patrick, Real Estate Pro in Pooler, GA
Jeri Patrick answered:
First time buyer with poor credit -634.. can we still buy?
I would contact a local lender to help you with loan options and to guide you. Best of louck
0 votes Share Flag Sun Aug 16, 2015 Credit Score in Social Circle
Jeri Patrick, Real Estate Pro in Pooler, GA
Jeri Patrick answered:
I know that mine and my husbands credit is not anywhere near house buying ready but I would like some insight on what to do and fix to get there.
I would contact a local lender to see if they can help point you in the right direction to get you on track. Best of luck
0 votes Share Flag Mon Jun 1, 2015 Credit Score in 30707
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
What is the lowest credit score your Lender will accept?
Hi Gaylynn,
For an FHA or VA mortgage, most lenders have required a 640+ credit score since 2008/2009. Prospect Mortgage is one of the few direct lenders to offer an FHA or VA 580-639 ... more
0 votes Share Flag Sun Mar 22, 2015 Credit Score in Atlanta
Jeri Patrick, Real Estate Pro in Pooler, GA
Jeri Patrick answered:
what's the best way to take care of old credit card debt to benefit my credit?
I would contact a local lender to see what is the best way to handle paying your debt. Best of luck.
0 votes Share Flag Fri Feb 6, 2015 Credit Score in 30458
Destinee Aut…, Home Buyer in New York, NY
Destinee Autumn Brownlee answered:
Credit score is 512. Our debts are in collections.
Would we be better off getting 2 secured cards and making payments or paying off the old debt first
0 votes Share Flag Wed Jan 14, 2015 Credit Score in Smyrna
Jimmy Payne, Real Estate Pro in Alpharetta, GA
Jimmy Payne answered:
I was wondering if I could get a FHA mortgage with a 575 credit score. I had a foreclosure in 2011. My credit is the same since 2011.I am in Alabama.
it is possible but not an easy task, Contact a lender to see what they can see of your credit, you may have to work on getting some items on your credit report to get your score up.
0 votes Share Flag Mon Oct 27, 2014 Credit Score in Lizella
Keith Jean-P…, Real Estate Pro in East Brunswick, NJ
Keith Jean-Pierre answered:
Does anyone know where I can rent a nice home or townhome in the Mableton or Smryna, GA area for about 1000.00 - 1300.00 a month? Credit challenged
I would suggest you try the regular rental sites:

http://www.craigslist.com
http://www.apartments.com
http://www.trulia.com (Rentals Section)
http://www.zillow.com (Rentals Se ... more
0 votes Share Flag Fri Sep 12, 2014 Credit Score in Atlanta
Wolfert & Wr…, Real Estate Pro in Roswell, GA
Wolfert & Wrenn Real Estate Team answered:
If I have a credit score of 671, what kind of interest rate can I get? And, is there anything special for me asa first time buyer?
That's a good - not great - credit score. Assuming you don't have any other issues, you should be able to get market rates or just slightly above them. There a some first time homebuy ... more
0 votes Share Flag Fri Aug 1, 2014 Credit Score in 30075
Wolfert & Wr…, Real Estate Pro in Roswell, GA
Wolfert & Wrenn Real Estate Team answered:
My credit report shows a lien from 1990. How can we find out what it is?
I would talk with a lender about it. They can help you contact the credit companies as well.
0 votes Share Flag Fri Aug 1, 2014 Credit Score in 30075
Darren Sessom, Real Estate Pro in McKinney, TX
Darren Sessom answered:
What could/should be done to purchase a home when your FICO score is in the 400 and I have a down payment?
Hello ravensmom8293,

We can help! We assist home buyers daily to help improve credit scores to the qualifying levels or above.

I also have relationships with Loan Officers and Rea ... more
1 vote Share Flag Mon Apr 14, 2014 Credit Score in Pooler
Andy Bloch, Real Estate Pro in Monroe, GA
Andy Bloch answered:
How does one rent a house in Lilburn with a bad credit score? A business Bankruptcy has devastated my 720 score below 600.
You could offer to pay for a few more months upfront and offer an increased security deposit. A lot of landlords will ask for the 1st, last month and security deposit. The more you can ... more
0 votes Share Flag Tue Mar 11, 2014 Credit Score in Lilburn
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