Credit Score in Alabama : Real Estate Advice

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Aaron Sims,  in Birmingham, AL
Aaron Sims answered:
Have five days left to react to a foreclosure devote my home. Can I represent myself?
Rodney is correct, this is a Real Estate forum however we are not Lawyers and your question would require legal advice. Your best option is to consult an attorney.
Best of luck!
0 votes Share Flag Tue Oct 13, 2015 Credit Score in USA
Ayshaamoniqu…, Home Buyer in Decatur, AL
Ayshaamoniquee509 asked:
Is there anyway to get a house with poor credit?
0 votes Share Flag Wed May 27, 2015 Credit Score in 35601
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
i bought a car about 9 month ago and that was with the co signer and today i trade my car and got new car and when they checked my credit my score
It's the actual credit inquiry, not the new installment loan that will impact your credit score the most. For your credit cards, whenever your balance exceeds 30% of your credit limit, ... more
0 votes Share Flag Sun Jun 22, 2014 Credit Score in 35205
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
does wells fargo finance people with low credit scores?
For an FHA 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 580-639 FICO loan program. Cr ... more
0 votes Share Flag Thu Jan 16, 2014 Credit Score in Enterprise
Jessica Bate…, Real Estate Pro in Beverly Hills, CA
Jessica Bateman answered:
My credit score is 605 and I want to know what to do to raise the score so we can purchase a home.
I work with a lot of people who have less than perfect credit. I tell all my clients that need a pre approval to visit The Lenders Network, I have seen loan approvals from them even wit ... more
3 votes Share Flag Mon Nov 11, 2013 Credit Score in Birmingham
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Birmingham, Al. area...What are my chances of getting a mortgage w/credit score of 605, with 100% financing & assistance for closing cost?
To begin improving your credit score, you would need to contact each of your creditors directly to see what your options are. Paying off derogatory debt will help improve your credit s ... more
1 vote Share Flag Mon Sep 16, 2013 Credit Score in Birmingham
Nicole Chris…, Home Buyer in El G.H.E.K.O., Tucson,...
Nicole Christian answered:
I have been working with a mortgsge broker and have been doing certain things to bring my credit up by 44 points. well I went to and
My mortgsge broker said that all I need is a 580 score but 620 or more wouldve allowed me to get approved for othrr progrsms and down payment assisstance programs. However, since it woi ... more
0 votes Share Flag Tue Sep 3, 2013 Credit Score in Huntsville
Asparouh Ahs…, Renter in United Central, Saint...
Asparouh Ahstin answered:
could I only discover myself, with a lot of Search Engine Optimization businesses available claiming to perform best by you?
I'd recommend before employing any organization, occupy references with a number of their customers and learn how they accomplish.
I'd prevent businesses that provide a blanket answer ... more
0 votes Share Flag Thu Jul 18, 2013 Credit Score in USA
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
ive been looking at foreclosers for a yr now. credit score is 600.will anyone approve a 1st time home buyer w/that low of a score? need programs 2 hel
Many lenders will want a 620. My company helps increase credit scores. What is going on with your credit that its remaining in the low 600's?

Have a great day;

Christina Solorza ... more
0 votes Share Flag Wed May 15, 2013 Credit Score in 36618
lendersnetwo…, Real Estate Pro in Plano, TX
lendersnetwork answered:
How long does it take to pull up a credit score? We need a 620-640 for VA and are at 607. Do you think in three months it might be possible?
I can help point you in the right direction, I do have lenders willing to work with a 600 score but you will need 3.5% down is that an option? And as far as pulling credit several hard ... more
0 votes Share Flag Wed Mar 20, 2013 Credit Score in Jacksonville
Charita H Ca…, Real Estate Pro in Gardendale, AL
Charita H Cadenhead answered:
New question- This is Kristy again. I got a letter in the mail with 3 different scores on it.
Rodney gave some solid advice and they are licensed in Alabama. You may want to stat with a call to him. Personal contact gives you and opportunity to get get questions answered that ... more
1 vote Share Flag Sat Dec 8, 2012 Credit Score in Birmingham
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
We went to the bank to get pre approved for a rural development loan and we were approved, until we signed the contract & paid the earnest money
The general industry minimum credit score for USDA is 640+. Scores of 620-639 are more by an exception basis. Either the lender you are working with does not offer it below 620 or he ... more
0 votes Share Flag Thu Jan 26, 2012 Credit Score in Alabama
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
How can I pull my credit report and see my 3 scores and when a loan officer look at it they give me a different credit score?
There are various credit scoring models that are used in the credit industry. Credit scores will vary based on the scoring model used. The mortgage industry has its own credit scoring ... more
0 votes Share Flag Mon Aug 8, 2011 Credit Score in 36854
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Do you know any Investors willing to Purchase FHA / VA < 640?
From what I have seen and heard, there is really no wholesale/secondary market for that program. Prospect Mortgage has a 580-639 FICO FHA program, but we are a retail lender that can s ... more
0 votes Share Flag Tue Aug 2, 2011 Credit Score in Birmingham
Shoba50, Renter in Madison, AL
Shoba50 asked:
I am a Malaysian citizen who will be moving to alabama to study. I wish to rent a 3 bedroom house near Oakwood university. Contact me with properties and advice me as to what documents I need to show credit worthiness as am not a US citizen.
0 votes Share Flag Fri May 20, 2011 Credit Score in 35749
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