Credit Score in Sacramento : Real Estate Advice

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Invstnlfp, Home Buyer in New York, NY
Invstnlfp answered:
My credit score is currently 580, what are my chances for getting pre-approved for a home loan?
I work for a direct lender in the mortgage industry who offers FHA VA, and USDA loans in 47 states down to a 550 credit score. Are lowest score we accept for government loans are 550 wh ... more
0 votes Share Flag Thu Aug 4, 2016 Credit Score in Sacramento
Jackie, Other/Just Looking in Seattle, WA
Jackie answered:
How does a short sale affect a credit score?
This article goes into more details - http://practicallist.com/real-estate-short-sale with fico and fannie mae data and documents you can download to use as a check off list when doing ... more
2 votes Share Flag Tue Jul 12, 2016 Credit Score in Sacramento
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
Can you buy a house with no credit? We don't have bad credit, just none at all.
Hello Kayla, yes you may qualify for FHA with NO FICO scores. Your utility, car insurance, daycare, rental history, etc. can be looked at.

Your qualifications will also be determined ... more
0 votes Share Flag Thu May 12, 2016 Credit Score in Sacramento
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
I am a young physician with a credit score of 587 - hoping to buy a condo in 3 months. Any thoughts on odds of getting a loan?
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in 95816
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
What is Sacramento's average credit score?
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in Sacramento
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
My Husband is a Veteran with a COE. We live in Alabama. Middle score is 568 any lenders for Vets with a COE. We are currently rebuilding his credit.
Licensned in 43 states not just CA, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. The best part is unlike lendingnetwork we keep y ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in Sacramento
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
Can I improve my credit score, 535, even if all of my credit card bills are in collection?
Absolutely. The secret to improving your score is simple. Pay off those debts, one by one. I would pick the lowest amount of debt and pay it off, then the next, and so on. Try to see if ... more
0 votes Share Flag Mon May 26, 2014 Credit Score in Sacramento
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
i have a credit score of 606, with ghosts from the past. I have perfect credit history over the last 6-7 years. can someone give me a mortgage?
Yes most likely. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment an ... more
0 votes Share Flag Sat May 10, 2014 Credit Score in Sacramento
Scott Ellwood, Other/Just Looking in Solana Beach, CA
Scott Ellwood answered:
I am 18 and I am thinking about moving out of my house. I have no credit score. How long would it take to get a good credit score for me?
Hi Pueyoadrian,
You can buy a home after one year of good credit rating on at least 3 accounts. 4 or 5 would be better. But don't over extend yourself. You can open up a few credit ca ... more
0 votes Share Flag Tue Jun 5, 2012 Credit Score in Sacramento
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