Credit Score in Austin : Advice

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John Burke, Real Estate Pro in Austin, TX
John Burke answered:
I'm a first time home buyer in San Antonio, Texas. Working on repairing my credit. Currently I'm at about 620. Is it too soon to talk?
Hi Grace7lynn,

It's never too soon to talk to lender to come up with a plan of action.

I can VA & FHA loans down to a 580 score so your scores are a good start.

Take a look at ... more
0 votes Share Flag Fri Apr 3, 2015 Credit Score in San Antonio Road
The Bradford…, Real Estate Pro in Austin, TX
The Bradford Team answered:
How or why do I have current or past delinquency with one or more of my creditors if I just got a brand new ssn for the first time in my life?
Did you have a previous SSN when these delinquency were made?

Are these delinquency legitimate?

If you feel the information on your credit report is incorrect you should file a d ... more
0 votes Share Flag Thu Sep 18, 2014 Credit Score in San Antonio Road
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Renting a home with bad credit??
Thank you for your service. As to the credit, much really depends on the individual landlord/building, each is different and some are stricter than others; if all else fails you could c ... more
2 votes Share Flag Sat Jun 21, 2014 Credit Score in San Antonio Road
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
My Mid Fico score is 596 my loan officer wants it up to 620 for the FHA loan.
It seems that your scores in your range should work. Lenders like myself can go as low as 580 when it comes to credit scores. Of course, your other finances will need to be in place as ... more
0 votes Share Flag Tue May 13, 2014 Credit Score in Spicewood At Bullcreek
Mark DeWitt, Real Estate Pro in San Diego, CA
Mark DeWitt answered:
Foreigner moving to US. How to get a mortgage?
Hi Edson, Yes you can obtain a foreign national mortgage for a second home in the United States. No credit score is required, SSN or ITIN is not required, no minimum loan size, the max ... more
0 votes Share Flag Wed Apr 2, 2014 Credit Score in Austin
Linda Fisher, Real Estate Pro in Kingwood, TX
Linda Fisher answered:
What are the best legit services available for customers that need to clean their credit prior to qualifying for a home loan?
Credit restoration is one , some are free some are rip off , be careful, you don 't want to b e in more problems

Lindfa
0 votes Share Flag Fri Mar 7, 2014 Credit Score in Austin
Linda Fisher, Real Estate Pro in Kingwood, TX
Linda Fisher answered:
Is a 757 FICO score a decent enough score to get a good mortgage rate?
Austin, Texas is a beautiful City , If you decide to come to the Houston, Humble area give me a call It would be my pleasure helping you.

linda
0 votes Share Flag Thu Jan 16, 2014 Credit Score in Austin
Jean-Paul Ho, Real Estate Pro in Brooklyn, NY
Jean-Paul Ho answered:
Chasing the american dream of being a home owner and haven't a clue where to start.
Why rent? Is there anyone giving money to rent? Any tax deduction? Rent KEEPS going up in Brooklyn? Own CHEAPER than renting - You are in a fixed income- You NEED a FIXED mortgage! Whil ... more
0 votes Share Flag Wed Jan 15, 2014 Credit Score in South Congress
Randall James…, Real Estate Pro in Dallas, TX
Randall James Yates answered:
I have a credot score 0f 596 but I want to refinance my house. I have lots of equity and can pay off all my debt as well as lower my monthly mortgage.
In short Yes.. I know several lenders that can go down to a 580 credit score for a refi with a few other requirements but I see people at 580 get approved daily... If you need any help ... more
1 vote Share Flag Sun Aug 18, 2013 Credit Score in Spicewood At Bullcreek
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
I am needing to refinance a house I purchased almost 5 years ago. This was a owner-financing deal. My credit score is still not very good.
Hello Need Help,

There are a lot of things you can do. First is to fully understand where you are now. Looks like the foreclosure is in the rear view mirror and that is good. Each ... more
1 vote Share Flag Thu Jun 13, 2013 Credit Score in 78723
Roman Lopez…, Real Estate Pro in 78739
Roman Lopez Real Estate Team answered:
I have low credit from late house payments on a house that I currently rent to my mother in law. Will I be approved to rent a home?
Hello Tory,

I'd be more than happy to put you in touch with a local credit advocate that I use for buyers like yourself. They have a high success rate. I have several current hom ... more
1 vote Share Flag Sat Apr 27, 2013 Credit Score in Austin
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
Which scenario will decrease your credit score the most? A 30-day late on a mortgage o a 30-day late on a credit card?
Actually the credit card payment will hurt your score more as credit cards aka revolving credit make up 30% of your credit score and installment loans such as a mortgage make up 5% of y ... more
0 votes Share Flag Sat Apr 27, 2013 Credit Score in Austin
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Does anyone see the Government granting credit score adjustments for the millions of borrowers who lost their homes to bad lending practices?
No. Absolutely not.

First, as already noted, credit scores are calculated by private entities. The government's not going to tell Experian, et al., to raise the credit scores of cert ... more
0 votes Share Flag Tue Jun 26, 2012 Credit Score in 78731
E-Team Austin…, Real Estate Pro in Austin, TX
E-Team Austin (512) 554-8554 answered:
My boyfriend and I are interested in buying our first home in austin area. I have a 636 he has a 676. Can we get a 0 down loan w/ low closing?
AC,
There are 100% financing programs that have specific criteria, talking with a Mortgage Expert will determine which you and your boyfriend qualify for.
Did you know that 85% of hom ... more
0 votes Share Flag Fri Feb 10, 2012 Credit Score in Austin
David Schnei…, Real Estate Pro in 78739
David Schneider answered:
Me and the wife have a credit score of 550 to 600. Want to buy a home in the near future. Who could we talk to for advice on how to get there.?
Hi Mr. Garcia,

Lots of good answers here. One of the most important factors is going to be your job history and your debt to income ratio. I have worked successfully with lenders w ... more
0 votes Share Flag Fri Dec 9, 2011 Credit Score in Austin
John Crowe, Real Estate Pro in Austin, TX
John Crowe answered:
I have two broken leases on my credit because I became unemployed at the beginning of 2010
Good options below, especially the reminder to be honest and upfront. Another idea to consider is paying in advance - maybe 2-3 months rent or more - as an insurance policy.

I had a ... more
1 vote Share Flag Fri Jul 1, 2011 Credit Score in Austin
Kevin, Real Estate Pro in Austin, TX
Kevin answered:
Our credit is right around 600. We make around 50,000/yr. Down payment is negotiable. Could we get financed for a 90-120k home in TX?
There are a lot of good answer should you have the time to read through thems all...
In a nutshell you want your scores to be between 620 and 640 for the majority of the loans...
De ... more
0 votes Share Flag Wed Jan 19, 2011 Credit Score in Austin
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